PNC Cash Builder Visa credit card

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at issuer’s secured site
excellent
intro purchase APR no intro offerregular APR12.99 - 21.99% (V)
intro BT APR 0% for 12 months 3% BT fee $5 min
rewards 1.25% 1.5% 1.75% 
  • earn 1.25% cash back if you spent up to $2,000 a month
  • 1.5% if you spent $2,000-$4,000 a month or have a PNC Performance checking account
  • 1.75% if you spent more than $4,000 or have a PNC Performance Select checking account

 

no annual fee

1.25%-1.75 cash back rate

Editors Review

Pros

  • no annual fee
  • 0% on balance transfers for 12 months 
  • max cash back is not separated by categories but driven by spending

Cons

  • 3% foreign transaction fee

Verdict

You get a good cash back rate of 1.5 or 1.75 either way - by having a PNC Performance checking account of certain level (which is either have an annual fee or require a minimum balance). If you do not comply with those rules, you stay with 1.25% cash back on everything - better than regular 1% rate, but not exceptional.

Good alternatives to the card would be US bank Cash+ or AmEx Blue Cash EveryDay that offer up to 3-5% back on selected categories

Last updated: 03/04/2016


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