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  • Guest

    This is not available to people who live outside the PNC “footprint”, i.e., which is not nationwide.

  • Dcamp2006

    The criteria listed for the checking accounts here is wrong, what is listed is the old information. Now the balance requirements are lower and there are actually other ways to have the performance accounts as well.

  • mcdoogles

    With AMEX Blue Cash slashing my everything else rate to 1% as of FEB 2012, I’m shopping for another card and this PNC Visa looks pretty good – I’d be in the 1.75% bracket every month. I’m between this PNC Visa and the Fidelity Rewards AMEX which pays 2% on everything with no monthly minimums, but requires a deposit into a fidelity investments account. Any advice on choosing between the two?

    • http://www.nerdwallet.com/ NerdWallet

      A 0.25% difference isn’t going to make or break you, but if you can get more, go for it. Plus, the Fidelity helps you to save a little bit more. That said, I’m generally a fan of Visa over American Express, in terms of acceptance, so if you end up with the Fidelity, be sure to have a Visa or MasterCard on hand in case the merchant doesn’t take Amex.

  • logiclife

    how does this PNC cashbuilder compare to a discover card? I have a discover card and Iam wondering about swotching completely to this card since I already have a performance select checking account. thanks

  • logiclife

    how does this card compare with discover cash back? I already have a pnc performance select checking acct and I will qualify for 1.75 % cash back on all the charges. So in this case do you think this card is better? Does this PNC card offer 5 % cash back on groceries , etc?

  • Sam

    PNC Performance and Performance Select fees are also waived if you meet qualifying monthly direct deposit (i.e. employer deposits, etc.) amounts ($2000 for Performance, $5000 for performance select). I have this card along with PNC’s virtual wallet account (which can include performance or performance select), and it has been working well for me.

  • Bob Newman

    Your opening verdict is puzzling. You propose cards that do better, but they have significant downsides such as annual fees, award payouts only annually, or rewards in miles. Depending on your buying patterns, get another card for gas, groceries, and restaurants, but stick with PNC for everything else. I think that’s a winning play.

  • Ashley

    Can someone verify my assumption that one does not need to have a PNC bank account of any kind to open and earn rewards on this card?

  • nerdwallet

    No Mike, the PNC rewards program is a bit unusual in that way. Purchases are divided up by category first, and then rewards are calculated. The 0.25%/1% reward tier only applies to purchases that don't fall into any of the other three categories, so any purchases that earn you 4%, 3%, or 2% do not count toward the $10,000 minimum.

  • nerdwallet

    That is definitely the voodoo of rewards credit cards. Credit card companies claim that it is up to the merchants (restaurants, etc) to properly categorize their own sales on your credit card purchases, which makes it a bit of a black hole.

    In general I've found most credit card companies to be pretty fair, but you never know when something is going to slip through the cracks, and who has time to verify the rewards on every credit card purchase?

    If you notice any specific issues with one or more of your cards, we would definitely love to hear about it.

  • Bill

    You do not need a PNC Account to open a credit card but if you want to
    earn more rewards but not spend the amount to get it, you should open
    either a performance for 1.50% or performance select for 1.75% cash back
    on ALL of your purchases. Also if you open a PNC virtual wallet account
    and add a credit card it integrates with the calendar it and makes it
    easier for you to see when your payments are due, How much is due, when
    you made you last payment. You can even transfer money to your card the
    same day the bill is due and pay your card off. The Cashbuilder card is
    the best card out there when it comes to cash back. the only problem
    with it is that PNC has very strict guidelines when it comes to
    approving credit cards so your credit needs to be flawless or have the
    income to support them taking the risk!

  • Ashley

    Thank you for mentioning the CashBuilder card. It looks like it will be a better fit. In chatting with a PNC rep to ask about the differences between the Everyday Rewards and CashBuilder cards, the piece that stood out was the max cash back earning of $100 over a 3-month time period with the Everyday Rewards card.