PNC Cash Unlimited

The PNC Cash Unlimited card offers a straightforward 2% cash back on all purchases with no annual fee, making it a solid choice for those who prefer a simple, flat-rate rewards structure. Its 15-month 0% intro APR on balance transfers can provide some relief if you're looking to manage existing debt. However, the regular APR starts at a relatively high 18.49%, so it's best suited for those who plan to pay off their balances monthly. The card also includes cell phone protection and purchase security, which add some value beyond the cash back. With no foreign transaction fees, it's a practical option for international use as well.