VisaPNC Cash Rewards Visa
4% at the pump is the highest uncapped-rate gas headline at any major bank.
Welcome Bonus
$200
≈$200 value
Spend Requirement
$1,000
in 3 months
Annual Fee
$0
3% FTF
Credit Score
670+
(Good)
Current offer note: $200 statement credit
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 4xGas stations
- 3xDining at restaurants
- 2xGrocery stores
- 1xEverything else
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Rewards never expire while the account is open
- ✦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 $200 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 $200 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.
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