Paying your bills and purchasing items can be fulfilling. If you would maybe like to make your financial management more fulfilling, you may want to get a credit card that gives you rewards when you make payments or purchases.
The PNC Cash Rewards Visa Credit Card gives you many opportunities to get cash back for all kinds of transactions.
If you find this feature attractive, then read on to learn more about this credit card and what it has to offer.
PNC Cash Rewards Visa Credit Card Features and Benefits
The PNC Cash Rewards Visa Credit Card has cash back features that can make your credit banking worthwhile. This credit card can give you 4% cash back on gas station purchases, whether it’s in-store or at the pump.
You also get 3% cash back on dining (including fast food), 2% cash back on grocery store purchases, and 1% for all other purchases. This way, you can earn up to $8,000 in combined purchases annually.
In order to redeem, you must have at least $25 in your account. You can get cash back as a statement credit or as money deposited into a qualified PNC account.
More Benefits
The best thing about these rewards is that it does not expire, so you can redeem cash back as long as your account is still active.
When you successfully apply for this card, you are given a welcome offer of $100, which you can only get after purchasing $1,000 or more during the first three billing cycles of opening your account.
Aside from these benefits, you can also enjoy a dedicated US-based customer service which can assist you 7 days a week. It also features contactless technology, online account tools, PNC Security & Privacy, PNC Easy Lock, and $0 Fraud Liability.
Application Process & Requirements
Interested in getting a PNC Cash Rewards Visa Credit Card? You must provide personal information, such as your full legal name, date of birth, residential address, Social Security Number, monthly housing payment, and total annual income.
If you are thinking of applying, you will want to make sure that you qualify for the credit card before sending in your application. You must be at least 18 years old, have sufficient income, and manageable expenses.
You might want to prepare pertinent documents such as recent pay slips, latest bank statements, proof of identity, and proof of residency. PNC Bank may also conduct credit and financial background checks to ensure your ability to make payments.
Interest Rate & Fees
- Annual Fee – $0.
- Interest Rate – 12.99% to 22.99% APR based on creditworthiness. These APRs are also based on the market’s prime rate.
- Cash Advance APR – 22.99%, and this APR will vary with the market based on the prime rate.
- Penalty APR – 28.99%, and this APR will vary with the market based on the prime rate.
- Minimum Interest Charge – $1.50.
- Balance Transfers – Intro balance transfer fee of $5 or 3% of the amount of each balance transfer during the first 90 days following account opening (whichever is greater). Afterwards, balance transfer fee of either $5 or 4% of the amount of each balance transfer (whichever is greater).
- Cash Advances – Either $10 or 5% of the amount of each cash advance (whichever is greater).
- Foreign Transaction Fee – 3% of each foreign transaction in U.S. dollars.
- Late Payment – up to $38.
- Returned Payment – up to $38.
Contact Information and Address
To know more about this product, you can give PNC Bank a call at 1-888-PNC-BANK (762-2265). For credit card enquiries, you can call 1-800-558-8472. You can also tweet PNC Bank at the handle @PNCBank_Help.
For branch visits, you can use the bank’s branch locator to find a location near you. This way you can inquire or apply in person. Their mailing address is listed below as well.
PNC Bank
P.O. Box 747066
Pittsburgh, PA 15274-7066
Conclusion
Owning a rewarding credit card can be a smart financial move. The PNC Cash Rewards Visa Credit Card is a unique option if you are looking a credit card.
Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.