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.