The new PNC Cash Rewards Visa Credit Card can be great for low-spending consumers whose primary aim is to shop at gas stations, restaurants and grocery stores. The PNC Credit Card provides an above-average rewards rate in these categories.
You earn 2 per cent on grocery store purchases, 3 per cent on dining purchases at restaurants, and 4 per cent on gas station purchases for the first $8000 in combined purchases in these categories annually.
On PNC cash rewards Visa card, you earn 1 per cent cashback on purchases everywhere, every time. The elevated rewards are capped at combined spending of $8000 per year. This feature high spenders will likely find highly limiting, once you spend that amount, you will not be able to use PNC Credit Card that year again.
If you are looking for an inexpensive card to use for routine purchases, the PNC Cash Rewards Visa card is hard to beat, especially if you have a long commute or frequently dine out.
The PNC card rewards offer some of the most generous spending bonuses you can find on a credit card with no annual fee, particularly for gas and dining purchases.
Still, since it has a $0 annual fee, the PNC Cash Rewards Visa Credit Card can be a good secondary card at worst
Cardholders who prefer to stick with one card rather than rotate between credit cards will appreciate the wider variety of categories that earn bonuses.
For example, in addition to big bonuses on gas and restaurant spending, the PNC Cash Rewards card also offers a modest bonus on groceries as mentioned above in the article.
The PNC Cash Rewards card is also not available to everyone. Only cardholders who live in a state with a PNC Bank are eligible.
States with PNC Banks include Alabama, Delaware, Florida, Georgia, Illinois, Indiana, Kentucky, Maryland, Michigan, Missouri, New Jersey, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Virginia, West Virginia, Wisconsin and District of Columbia.
Pros of PNC Credit Card
====> People spending well over $8000 on gas, groceries and dining out each year
====> The cash does not expire
====> Redeem cash as a statement credit or deposit into a qualifying PNC Bank Account
====> Anyone with varied spending that doesn’t conform to traditional credit card rewards categories
Cons of PNC Cash Rewards Visa Card
====> You cannot redeem cash for gift cards, travel or other rewards
====> Bonus spending limited to $8000 a year, this is very low if you are a big spender
====> Must wait until you earn at least $25 to redeem cash
====> No automatic redemption option, you must redeem your bonus manually
====> You cannot transfer rewards to other accounts
PNC Cash Rewards Visa Review Key Features
====> 1 per cent cash back on other purchases
====> You will enjoy 3 per cent cash back at restaurants, including fast food
====> You will earn 4 per cent cash back at gas stations
====> 2 per cent cashback at grocery stores (up to $8000 in combined spending annually across 4 per cent, 3 per cent and 2 per cent categories)
PNC Cash Rewards Visa Card Application Requirements
You must meet the following requirements before proceeding:
====> Applicant must be at least 18 years and above
====> Applicant must reside in one of the PNC approved states as listed above in the article
====> Applicant must have a valid Social Security Number
PNC Credit Card Application Process
You can apply for PNC Cash Rewards Visa Credit Card online via the official website. The application process is very simple and easy to follow.
You only need to follow simple step, this part of the article will explore the complete guide to apply for a PNC cash reward card.
Step 1 ====> You need to visit the official application page of PNC Cash Rewards Visa Credit Card
Step 2 ====> On the page, scroll to locate PNC Reward Visa Card and click on Apply Now Button
Step 3 ====> On the subsequent page, under the Applicant Information heading, supply the following personal, employment, housing and contact information:
Full name, Address, Primary phone number, Email address, Date of birth, Social Security Number, Mother’s maiden name, Housing status, Monthly housing payment, Employment status, Employer, Work phone number, Total annual income, and Years with the employer (if applicable)
Step 4 ====> If you would like to add an additional applicant to use this card, click Add a Co-Applicant and provide that person’s information. Click Continue when you are ready to proceed
Step 5 ====> A review of the data you’ve supplied will be presented on the following page. Verify it for accuracy before clicking Continue to move forward.
Step 6 ====> On this last page you will need to review the terms and conditions and indicate your compliance with them by checking the small box located towards the bottom of your screen. When you are ready to proceed, click Submit and your application will be reviewed by PNC.
We at gadgetsright have done our best to provide you with all of the information necessary to apply for the PNC Core Visa Credit Card. Hopefully, this tutorial was helpful and informative.
How to Activate PNC Cash Rewards Visa Credit Card
You need to activate this credit card, without activation, this is just an ordinary plastic card. The PNC credit card remains useless without activation.
That is why it is compulsory to activate this credit card before you can use it. To activate PNC Cash Rewards Visa Credit Card, call this number 1 800 558 8472 and speak to a customer service representative.
PNC Cash Rewards Visa Credit Card Secure Registration Process
Now that your credit card has been activated, you need to register an online account. This is simply called secure registration. In other to complete the secure registration process, you must follow the step below in the article.
Step 1 ====> You need to click on the Secure registration link
Step 2 ====> On the page that pops up, click Get Started.
Step 3 ====> Now, enter your Social Security Number, Visa PIN or Online/Telephone Banking Account Access PIN, and your PNC Account Number on the field provided.
Step 4 ====> Click Next and the pages that follow will have you creating a user ID and password for your account as well as choosing security questions to be used in the event that you forget your login credentials.
Your account will be ready to use once you have completed all of the above steps.
PNC Core Visa Credit Card Login Guide
This part of the article will guide you on how to login to your account. After you apply for this credit card, it is important to log in to your online account. You are lucky to land yourself on this blog post on PNC Cash Rewards Visa Credit Card.
Step 1 ====> You need to visit the official login page
Step 2 ====> On the page, locate and click on the login button
Step 3 ====> Now, enter your login ID or username in the space provided and click on the login button to continue
Step 4 ====> You may be required to provide the answer to one of your security questions. If so, a page will be displayed, enter your answer into the field and select Yes or No to indicate whether or not you are currently on your home computer.
Step 5 ====> Then click Continue and you will be taken to the final stage of the login procedure where you will need to supply your password. Enter your password and click on the login button to access your online account
NOTE: By providing the correct login details, you will be able to access your online banking.
How to Reset Login Details
====> If for any reason you forget your password, you will be able to reset it by first clicking on the Forgot User ID or Password? link located in the main login menu.
====> On the following page, select the Start Reset Password tab to proceed. Enter your Online Banking User ID, Social Security Number and Full PNC account number and click the Next.
====> The following pages will provide you with the ability to reset your password.
Recover Username or ID
====> If you have forgotten your user ID, click on the Forgot User ID or Password? link found within the main login menu.
====> On the next page, select the contact us link located in the Forgot Your User ID? Menu to be provided with a phone number which you can call for assistance 1 800 762 2035.
PNC Credit Card Payment Process
Making your PNC Bank credit card payment or need to login to view your statement or manage your account online?
The PNC Bank provides a variety of credit cards with interest rates and rewards to suit all different kinds of people. If you already own a PNC Bank credit card and are confused about your payment options, there is a short guide at the beginning to help you understand.
To make a payment online or manage your account, follow the steps provided above on this page to the PNC Bank credit card login.
Online Payment Process
Mail Payment Process
Phone Payment Process
Online Payment Process
With the PNC online banking service, you can pay your bills, see your statements and keep control of your money from one easy, convenient location.
PNC Bank does not provide information for mail and telephone payments, though you are able to get hold of these details by looking at your billing statements or logging into the online account service.
To make your PNC Bank credit card payment online follow the Login guide above to login, register, view your statement or manage your account online.
Mail Payment Process
You pay your bill via a mail method, this process is active but a bit delay. To ensure your PNC Bank payment is received on time it is recommended that you mail your payment at least 5 business days prior to the due date shown on your monthly billing statement
The PNC Bank credit card payment mailing address is:
Cleveland Ohio 44101-0570,
Overnight payments can be sent to:
6750 Miller Road,
Brecksville, OH 44141,
Phone Payment Process
You can as well pay your bill through a phone conversation. The PNC credit card payment phone number is 1 800 544 3623. Dial the number and follow the instructional guide to make your payment.
PNC Credit Card Q&A
Why Get the PNC Cash Rewards Visa Card?
====> You want a well-rounded cash back card you can use for all or most of your everyday purchases.
====> You live near a PNC Bank and want to earn as much cash back as you can on gas and restaurant purchases.
====> You prefer cash back instead of miles or points and don’t want to pay an annual fee.
How to Use the PNC Cash Rewards Visa Card?
====> To maximize your rewards earnings by using your card for all your gas and restaurant spending.
====> To evaluate your budget before using your PNC Cash Rewards card for grocery spending. If you typically spend more than $666 a month on gas, groceries and restaurants combined, you may be better off using a different card for groceries.
That way, you can continue to earn 3 to 4 percent cash back on dining and gas without exceeding the card’s $8000 spending cap on bonuses.
What Are PNC Points?
PNC points are the main rewards currency earned by a trio of PNC credit cards, both business and personal. You do not need to be a PNC Bank customer to open a PNC points credit card.
Cardmembers are auto-enrolled in the program and can earn up to 5x PNC points per dollar spent in specific categories.
PNC points expire at the end of the 48th month after the month in which they were posted to your points account. Alternatively, they are forfeited if your account is closed.