PNC CashBuilder(R) Visa Credit Card

PNC Cashbuilder

Card Details

Signing Promotion


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


APR, Variable

Min APR: 12.99%, Variable
Max APR: 21.99%, Variable
Penalty APR: Up to 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
  • High rewards rate
  • No annual fee
  • 0% for 12 mos on transfers
  • Needs excellent credit

NerdWallet 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.

Cardholder Reviews

Read our Posting Guidelines

NerdWallet reviews are the result of independent research by our editorial team while cardholder reviews are contributions from independent users not affiliated with NerdWallet. Banks, issuers and credit card companies are not responsible for any content posted on the NerdWallet site, nor do they endorse or guarantee any posted comments or reviews. Some of the reviews on the NerdWallet site were purchased through a third party provider. Users who post a review directly on the NerdWallet site will not be compensated in any way. Please see our Terms of Use and Posting Guidelines for more information.