PNC Cash Rewards Visa
By Alex Compton · Last verified
4% at the pump is the highest uncapped-rate gas headline at any major bank.
Welcome Bonus
$250
≈$250 value
Spend Requirement
$1,000
in 3 months
Annual Fee
$0
3% FTF
Credit Score
670+
(Good)
Current offer note: $250 statement credit after $1,000 in purchases in the first 3 months; one account-opening bonus per product per 24 months; also 0% intro APR for 15 months on balance transfers made in the first 90 days
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Apply now or wait?
Apply nowThis is the best public offer this card has ever had. In 3 tracked offers going back to 2023, nothing has beaten $250.
Current offer
$250
All-time high
$250
Typical offer
$200
In place since
October 2026
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | $250 | $1,000 in 3 mo | Bonus increased: $200 → $250$250 statement credit after $1,000 in purchases in the first 3 months; one account-opening bonus per product per 24 months; also 0% intro APR for 15 months on balance transfers made in the first 90 days | PNC Cash Rewards Visa product page → |
| 2026-06 | $200 | $1,000 in 3 mo | Bonus increased: $100 → $200$200 statement credit | Archive record · no attached snapshot |
| 2023-06 | $100 | $1,000 in 3 mo | Earliest record$100 bonus era | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Bonus raised to $250 after $1,000 in 3 months; 4/3/2% earn with $8,000 combined cap, $0 fee, 0% BT 15 months and $800 phone protection confirmed
Fields: bonus, benefits
PNC Cash Rewards Visa product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
Embed this chart on your site (free, with attribution)
Bloggers and journalists: paste this snippet to embed the live, auto-updating bonus history chart. Attribution to Credit Compound is included in the widget.
Earning Rates
- 4xGas stations
- 3xDining at restaurants
- 2xGrocery stores
- 1xEverything elseBonus categories share an $8,000 combined annual cap
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Cell phone protection up to $800 when you pay your wireless bill with the card
- ✦0% intro APR for 15 months on balance transfers made in the first 90 days
- ✦Redeem from $25 in the PNC app
Why it earns its spot
- +4% gas beats every dedicated gas card from a big bank
- +3% dining and 2% grocery round out a real daily driver
- +Easy $250 bonus for $1,000 spend
Where it costs you
- −$8,000 combined annual cap on the bonus categories
- −3% foreign transaction fee
- −1% floor outside the categories
The Compound Verdict
Commuters should not sleep on this one. 4% on gas with a $250 bonus and no fee is a category-killer until you hit the $8,000 cap, then it turns into a 1% card and you reach for something else.
Rate this card
Be the first to rate it
Commentson PNC Cash Rewards
Comments are stored in your browser during our community preview. Accounts, moderation and cross-device sync arrive with Credit Compound Community.