Does the PNC Cash Rewards Visa have an annual fee?

No. Our record lists a $0 annual fee for the PNC Cash Rewards Visa.

What does the PNC Cash Rewards Visa earn?

4% on Gas Stations, 3% on dining, 2% on Grocery Stores, and 1% on other purchases.

Is the PNC Cash Rewards Visa worth it in the first year?

Using our illustration ($12,000 of yearly spending, $3,000 of it in Gas Stations), the first year comes out around $410 before credits, including a welcome bonus valued at $200. Year two drops to about $210 before credits.

What credit do I need for the PNC Cash Rewards Visa?

Our record lists "Good" credit as the typical target for the PNC Cash Rewards Visa. PNC Bank makes the final decision based on its own criteria.

PNC Cash Rewards® Visa® Credit Card

PNC Bank

No Annual Fee

Annual Fee

visaGoodcash-backno-annual-fee6 months ago

Welcome Offer

$200Spend $1,000 within 3 months

OpenCard analysis

Is the PNC Cash Rewards Visa Credit Card right for you?

The PNC Cash Rewards Visa is a no-annual-fee cash-back card from PNC Bank. Its strongest everyday earning is 4% on Gas Stations, with 1% on most other purchases. With no fee, the question is simply whether 4% on Gas Stations beats what your current card earns there.

Who it's for

✓ People who spend steadily on Gas Stations, where it earns 4%
✓ Anyone who wants Gas Stations rewards without paying an annual fee

Who should skip it

— Heavy spenders outside Gas Stations — everything else earns 1%

First-year value estimate

Welcome bonus

$200

Rewards on spending

$210

Annual fee (year 1)

−$0

Year 1, before credits

$410

Year two, without the welcome bonus: about $210 before credits ($210 in rewards minus the $0 fee).

Assumptions

$3,000 a year in Gas Stations (4%) and $9,000 on everything else (1%) — $12,000 total, about $1,000 a month.
Rewards valued at 1¢ per point or 1% cash back (cash-equivalent).
Welcome bonus: the $200 bonus at face value ≈ $200.
No annual fee in any year.

An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-04-16.

How it compares

Blue Cash Everyday →

American Express, same $0 annual fee; earns 3% on gas.

AARP Essential Rewards Mastercard from Barclays →

Barclays, same $0 annual fee; earns 3% on gas stations and drugstores.

Navy Federal cashRewards →

Navy Federal Credit Union, same $0 annual fee; earns 2% on Gas Stations.

Compare side by side →

Rules and gotchas

The welcome bonus requires $1,000 in 3 months — roughly $333 a month. That fits inside the $1,000 a month in our illustration.

Frequently asked questions

Does the PNC Cash Rewards Visa have an annual fee?: No. Our record lists a $0 annual fee for the PNC Cash Rewards Visa.
What does the PNC Cash Rewards Visa earn?: 4% on Gas Stations, 3% on dining, 2% on Grocery Stores, and 1% on other purchases.
Is the PNC Cash Rewards Visa worth it in the first year?: Using our illustration ($12,000 of yearly spending, $3,000 of it in Gas Stations), the first year comes out around $410 before credits, including a welcome bonus valued at $200. Year two drops to about $210 before credits.
What credit do I need for the PNC Cash Rewards Visa?: Our record lists "Good" credit as the typical target for the PNC Cash Rewards Visa. PNC Bank makes the final decision based on its own criteria.

Earning Rates

4×Gas Stations4% cash back at gas stations

3×Dining3% cash back at restaurants

2×Grocery Stores2% cash back at grocery stores

1×All Other Purchases1% unlimited cash back on all other purchases

Other Benefits

Cell phone protection

Cell phone protection up to $600 for stolen/damaged phones when paying monthly bill

Insurance

Rental InsuranceSecondary

Purchase Protection

Extended Warranty

Sources

https://www.pnc.com/en/personal-banking/banking/credit-cards/pnc-cash-rewards-visa-credit-card.html

Last Updated: Apr 16, 2026