PNC Cash Unlimited

The PNC Cash Unlimited keeps things simple with a flat 2% cash back on every purchase, no annual fee, and no foreign transaction fee. It adds 15 months of 0% intro APR on balance transfers, which gives it extra value if you're carrying a balance you want to pay down. The supporting benefits are solid for a no-fee card: cell phone protection up to $800 per claim when you pay your bill with the card, purchase security on items within 90 days, and Visa Signature Concierge. The tradeoff is that there's no signup bonus listed and no bonus categories, so it won't outperform a tiered card on dining or groceries. As a reliable catch-all card, especially for existing PNC customers, it does its job without fuss.