I’ll just say it: I’ve never been a fan of PNC Bank’s credit cards. None of their cards have stood out from the best, at least not in a way that makes them different. To me, most of their cards are just copying what’s already out there.
But recently, PNC Bank launched a credit card that really impressed me – the PNC Cash Unlimited® Visa Signature® Credit Card. The card has no annual fee and offers an unlimited 2% back on every purchase. While a credit card with a 2% back is really no big deal, this card stands out in other ways. Like these four.
1. Get the best credit card sign-up bonus with 2% cashback
The PNC Cash Unlimited® Visa Signature® credit card offers new cardholders one of the best sign-up bonuses for a cash back card. You can earn a $250 bonus when you make purchases of $1,000 or more in the first three months of account opening.
For comparison, the Wells Fargo Active Cash® Card (another card with 2% cash back) offers a $200 cash back bonus when you spend $500 in the first three months.
2. Never pay foreign transaction fees
The PNC Cash Unlimited® Visa Signature® credit card does not charge a foreign transaction fee. These fees are typically around 1% to 3% of the purchase amount. Since several cash back credit cards still charge this fee for purchases outside the U.S., this benefit gives it another edge over the competition.
3. Protect purchases with valuable insurance
Many of the best rewards credit cards offer insurance coverage as a cardholder benefit. While this protection is not very common among free credit cards, the PNC Cash Unlimited® Visa Signature® Credit Card currently offers two of them:
- Mobile phone protection: Get up to $800 in reimbursement if your cell phone is stolen or damaged.
- Purchase protection: Have an eligible item repaired, replaced, or refunded if it is stolen or damaged within 90 days of purchase (this does not apply in all circumstances).
You can activate this protection by paying for a purchase with your PNC Cash Unlimited® Visa Signature® credit card, but please read your cardholder agreement carefully as this protection may contain exclusions and limitations on your coverage.
4. Deposit cash into your PNC bank account
The PNC Cash Unlimited® Visa Signature® Credit Card offers several ways to redeem cash back, including account credits, gift cards or travel, but a unique redemption option is to deposit the cash back into an eligible PNC bank account.
When you bank with PNC, you may have more control over your cash back. For example, you can transfer the cash back to a brokerage account and invest in the stock market. Or you can deposit it into a high-yield savings account and earn interest.
But let’s not forget the main advantage of this card. You get 2% back on every purchase. This makes the PNC Cash Unlimited® Visa Signature® Credit Card a good all-in-one cash back card that you can use on spending that would normally earn you 1% back on other cards.
Attention: Our top-rated cashback card now has 0% introductory APR until 2025
This credit card isn’t just good – it’s so exceptional that our experts use it personally. It offers a long introductory period with 0% APR, a cash back rate of up to 5%, and all with no annual fee! Click here to read our full review for free and apply in just 2 minutes.
