PNC Cash Unlimited

Cash Unlimited is the uncomplicated version of PNC's cash back lineup: a flat 2% on everything, no categories to activate or track, no annual fee, and no foreign transaction fee, which is more than plenty of flat-rate rivals offer. The 15 months of 0% intro APR on balance transfers adds a payoff window, although it does not extend to purchases. The extras are modest but real, including cell phone protection up to $800 per claim with a $50 deductible, purchase security on eligible items stolen or damaged within 90 days, and Visa Signature concierge. What it lacks is a signup bonus, so there is no first-year sweetener to weigh against competitors that pay one. Choose it if you want a single card that earns the same rate everywhere and travels without a surcharge, not if you are shopping for upfront value.