- Earn 1.25% cash back
- Earn 1.50% cash back
- Earn 1.75% cash back
Min APR: 13.49%, Variable
Max APR: 22.49%, Variable
Penalty APR: Up to 29.49%, Variable
Cash Advance APR: 26.49%, Variable
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 Credit Card or the Blue Cash Preferred® Card from American Express.
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|
|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%|
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.