PNC CashBuilder(R) Visa Credit Card

PNC Cashbuilder

ADVERTISER DISCLOSURE
Card Details

Signing Promotion

None

Reward Rate

1.25% if you spend less than $2,000 /mo, or 1.50%if you spend less than $4,000 /mo, otherwise 1.75%

Annual Fee

$0

APR, Variable

Min APR: 12.99%
Max APR: 21.99%
Penalty APR: 28.99%, Variable
Cash Advance APR: 21.99%, Variable

Intro APR Promotions

Purchase: None
Transfer: 0% for 12 mos
Card Features
  • Earn 1.25% if you spend $2,000 or less in a billing cycle, 1.50% if you spend between $2,000 to $4,000 in a billing cycle, and 1.75% if you spend above $4,000 in a billing cycle
Apply Now

on PNC's
secure website

thumbsupPros
  • High rewards rate
  • No annual fee
  • 0% for 12 mos on transfers
thumbsdownCons
  • Needs excellent credit

Editor's Review

Author: Tim Chen
Verdict - PNC CashBuilder Visa is a good cash back rewards card, but you can most likely do better with a card like the Capital One Venture Rewards,  Blue Cash Preferred or the Costco Credit Card.
This credit card earns you a base reward rate of 1.25%, which is better than your normal 1%. If you're a big spender, the card gets even better. Bonus levels kick in when you hit $2000 on your monthly statement (you get bumped to 1.5% on all purchases that month), and again when you hit $4000 on your monthly statement (you get bumped to 1.75% on all purchases).

You also get a bonus for having a checking account, regardless of your level of spending. You can get 1.5% with a "PNC Performance" checking account and 1.75% with a "PNC Performance Select" checking account.

The Performance checking account costs $15 a month, unless you  meet the minimum balance requirement of $1,500, or have other linked accounts at PNC worth more then $10,000 (including savings, money markets, and mortgages). The Performance Select checking account costs $25 a month, unless you meet the minimum balance requirement of $5,000, or have linked accounts totaling $25,000.
Monthly Spending PNC Checking Monthly Account Fee Reward
<$2000 None 1.25%
<$4000 None 1.50%
$4000+ None 1.75%
Doesn't Matter PNC Performance - $15, or a $1,5000 minimum balance 1.50%
Doesn't Matter PNC Performance Select - $25, or a $5,000 minimum balance 1.75%
Redemption: Must accumulate $50 worth of credits before you can redeem rewards.

Expiration: Never.
We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines, and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet's official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.

*Disclaimer: We try to keep information accurate and up to date, however we cannot make warranties regarding the accuracy of our information. Please verify FDIC Insurance / NCUA Insurance status, credit card information, and interest rates during the application process. Please note that NerdWallet has financial relationships with some of the merchants mentioned here. NerdWallet may be compensated if consumers choose to utilize the links located throughout the content on this site and generate sales for the said merchant.

*Advertiser Disclosure: Many of the credit card offers that appear on this site are from companies from which NerdWallet receives compensation. The results of our “card comparison and finder tool”, card assessments, and reviews are based on objective quantitative and qualitative analysis of card attributes. They are not affected by compensation. Compensation may impact which cards we review and write about and how and where products appear on this site (including, for example, the order in which they appear). While we try to feature as many credit cards offers on our site as we can maintain (1,700+ and counting!), we recognize that our site does not feature every card company or card available on the market. Additionally, our star ratings are a mix of user feedback and NerdWallet’s independent evaluation which are independent of compensation. For a list of all of our advertising partners, click here

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's website.

* Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.

© Copyright 2014 NerdWallet, Inc. All Rights Reserved. Privacy Policy|Terms of Use
Nerdwallet, Inc. is a BBB Accredited Financial Service in San Francisco, CA