VisaPNC Cash Unlimited Visa Signature
PNC's answer to the 2% club, with $800 cell phone protection included.
Welcome Bonus
None
No welcome offer, 0% intro APR on balance transfers for 15 months
Spend Requirement
None
Annual Fee
$0
3% FTF
Credit Score
720+
(Excellent)
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Last verified 2026-06-11 · spot an outdated offer?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
- 2xAll purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Cell phone protection up to $800
- ✦Visa Signature benefits package
- ✦Points never expire
Why it earns its spot
- +Flat 2% with no caps or activations
- +Phone protection is a rare add at this tier
Where it costs you
- −No welcome bonus while Active Cash pays $200
- −Online applications effectively require an existing PNC relationship
- −3% foreign transaction fee
The Compound Verdict
A perfectly competent 2% card that only makes sense if you already bank at PNC. Without a bonus it loses the head-to-head against Active Cash and Double Cash, the phone protection is the tiebreaker it leans on.
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