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PNC Cash Unlimited® Visa Signature® Credit Card Review: 2% Rewards and No Foreign Transaction Fee

Digilifetrends Published 3 min read

PNC Cash Unlimited® Visa Signature® Credit Card

PNC Cash Unlimited Visa Signature Credit Card
  • Best for: PNC customers and travelers who want one no-fee card that earns 2% on all purchases
  • What sets it apart: A flat 2% rate that applies overseas too, with no foreign purchase fee; 0% for 15 months on transferred balances
  • Rewards: 2% back on everything; cash back can be taken as a statement credit or deposited into a PNC account, with no minimum redemption amount
  • Features: Cell phone protection of up to $800 per claim, subject to a $50 deductible
  • Annual Fee: $0
  • Intro APR: 0% for 15 months from account opening on balances transferred within the first 90 days
  • APR: Variable 18.74% to 28.74%
  • Cost: 4% balance transfer fee ($5 minimum) during the first 90 days, then 5%; no foreign transaction fee
  • Pros: No categories or caps; full 2% on purchases abroad; lengthy 0% period on transferred balances; cash back can be deposited into PNC checking or savings
  • Cons: No welcome bonus; no 0% period on purchases; requires a minimum credit line of $5,000; new PNC customers apply at a branch, according to PNC's launch announcement

Choose the PNC Cash Unlimited® Visa Signature® Credit Card if you want a single card that pays 2% cash back on every purchase without an annual fee or foreign transaction fee. It is especially useful for PNC customers, since rewards can be deposited directly into a PNC checking or savings account. Before applying, you may want to see whether you are pre-approved on PNC's website. That check will not affect your credit score.

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PNC no longer offers the CashBuilder Visa, and Cash Unlimited is now the bank's flat-rate cash back card. You earn the same 2% whether or not you bank with PNC, although the bank may consider any existing relationship when reviewing an application.

Key Features

  • 2% cash back on every purchase, with no cap and no expiration while the account remains open
  • $0 annual fee and no foreign transaction fee
  • Intro annual percentage rate (APR) of 0% for 15 months from account opening on balances transferred within the first 90 days, with a 4% transfer fee of at least $5
  • Variable APR of 18.74% to 28.74% on purchases, and on transferred balances after the introductory period ends
  • Cash back is paid as a statement credit or a deposit to PNC checking or savings, with no minimum

Pros

  • One earning rate on every purchase, with no categories to manage or activate
  • Earns 2% on purchases made abroad without a foreign transaction fee
  • 15 months at 0% on transferred balances
  • Up to $800 per claim for a stolen or damaged phone when the card is used to pay the monthly wireless bill, with a $50 deductible

Cons

  • No welcome bonus
  • No 0% period for new purchases
  • You must qualify for a credit line of at least $5,000
  • New PNC customers apply in person at a branch, according to PNC's launch announcement
  • Unredeemed cash back is forfeited when the account is closed

If you bank with PNC or regularly shop abroad, this card may be a strong fit. Other shoppers may prefer the Wells Fargo Active Cash, which also earns 2% and includes a $100 bonus after $500 in purchases in the first 3 months, although it charges a 3% foreign transaction fee.

Learn more about the PNC Cash Unlimited® Visa Signature® Credit Card or compare it with other top cash back credit cards.

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