PNC Cash Unlimited Visa Signature
By Alex Compton · Last verified
PNC's answer to the 2% club, with $800 phone protection and no foreign transaction fee.
Welcome Bonus
None
No welcome offer; 0% intro APR for 15 months on balance transfers made in the first 90 days
Spend Requirement
None
Annual Fee
$0
No 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.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | $0 | No recorded spend | Terms reconfirmedNo welcome offer; 0% intro APR for 15 months on balance transfers made in the first 90 days | PNC Cash Unlimited Visa Signature product page → |
| 2026-06 | $0 | No recorded spend | Terms reconfirmedNo welcome offer | Archive record · no attached snapshot |
| 2023-09 | $0 | No recorded spend | Earliest recordLaunched without a bonus | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Flat 2%, $0 fee, no welcome bonus and $800 phone protection confirmed; page now states no foreign transaction fees
Fields: foreignTransactionFee, cons
PNC Cash Unlimited Visa Signature product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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Earning Rates
- 2xAll purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Cell phone protection up to $800
- ✦No foreign transaction fees
- ✦Visa Signature benefits package
Why it earns its spot
- +Flat 2% with no caps or activations
- +Phone protection is a rare add at this tier
- +No foreign transaction fees, unlike most 2% cards
Where it costs you
- −No welcome bonus
- −Requires approval for a minimum $5,000 credit line
The Compound Verdict
A perfectly competent 2% card that only makes sense if you already bank at PNC. Without a bonus it loses the first-year math to the 2% cards that pay one, but no foreign transaction fee and $800 phone protection give it real tiebreakers.
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