Cashbuilderr Visa

Cashbuilderr Visa

on PNC's secure website

Cashbuilderr Visa

Cashbuilderr Visa

Cashbuilderr Visa

on PNC's secure website

Card details

  • Earn 1.25% cash back

  • Earn 1.50% cash back

  • Earn 1.75% cash back

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    N/A

  • Bonus offer

    None

  • Intro APR

    Purchase: None

    Transfer: 0% for 12 mos

  • Ongoing Apr

    Min APR: 13.49%, Variable

    Max APR: 22.49%, Variable

    Penalty APR: Up to 29.49%, Variable

    Cash Advance APR: 26.49%, Variable

  • Balance Transfer Fee

    3%

  • Foreign Transaction Fee

    3%

Recommended credit score

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NerdWallet Review

By Tim Chen

Rating Details

3

Editor's overall rating

Pros and Cons

Pros
  • High rewards rate

  • No annual fee

  • Intro APR period on Balance Transfers

Cons
  • Needs excellent credit

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
<$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.

User Reviews

Rating Details

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