The PNC Cash Rewards card stands out for its generous 4% cash back on gas purchases, making it a great choice for frequent drivers. It also offers 3% back on dining and 2% on groceries, all within a combined annual cap of $8,000 across these categories. After reaching the cap, the earn rate drops to 1%, which is also the rate for all other purchases. The card comes with no annual fee and includes a $200 signup bonus if you spend $1,000 in the first three months, adding an extra incentive to apply. Additionally, there's a 0% intro APR on balance transfers for 15 months, but be mindful of the regular APR ranging from 18.49% to 28.49% after that period. Overall, it's a solid card for cash back on everyday spending, especially if you can maximize the rewards within the cap.
Earn rates & credits
| Category | Rate |
|---|---|
Gas $8,000 combined annual cap with dining and groceries; 1% thereafter on first $8,000/yr, then 1% | 4% |
Dining $8,000 combined annual cap with gas and groceries; 1% thereafter on first $8,000/yr, then 1% | 3% |
Groceries $8,000 combined annual cap with gas and dining; 1% thereafter on first $8,000/yr, then 1% | 2% |
Everything Else | 1% |
Card details
Regular APR | 18.49%–28.49% variable |
Intro APR on balance transfers | 0% for 15 months |
Foreign transaction fee | Yes |