PNC Cash Rewards
No annual fee, earning Cash, on the Visa network.
Card terms last verified against issuer pages on 2026-09-20.
The PNC Cash Rewards is a no annual fee card from PNC Bank earning Cash. It earns 4x on gas, 3x on dining, 2x on grocery and 1x on everything else. We have no recurring statement credits on file for this card.
Welcome bonus
Welcome offers change frequently and are often targeted. Confirm the current offer on the issuer's own application page before applying.
What it earns
Rates are the multipliers PNC Bank advertises. We do not convert them into a percentage return, because that requires putting a price on Cash and that price is a judgement, not a fact — see how we source this.
| Category | Rate | Notes |
|---|---|---|
| Gas | 4x | |
| Dining | 3x | |
| Grocery | 2x | |
| Other | 1x | Everything else |
Protections and insurance
Coverage terms below are summaries. Insurance benefits are governed by a separate guide to benefits document from the issuer, and the exclusions in that document are what actually decide a claim.
- Cell Phone Protection — Cell phone protection covers up to $800 per claim if your cell phone is damaged or stolen, when you pay your monthly cell phone bill with your PNC Cash Rewards card. Subject to a $25 deductible per claim. Maximum 2 claims per 12-month period.
Questions people ask about the PNC Cash Rewards
What is the annual fee on the PNC Cash Rewards?
The PNC Cash Rewards has no annual fee.
What does the PNC Cash Rewards earn?
4x on gas, 3x on dining, 2x on grocery, 1x on other, and 1x on everything else, in Cash.
Does the PNC Cash Rewards charge foreign transaction fees?
Yes — the PNC Cash Rewards charges a foreign transaction fee on purchases made outside the United States.