Is the PNC Cash Rewards Visa Signature Credit Card worth a spot in your wallet?
The honest math on the PNC Cash Rewards Visa Signature Credit Card: which credits you'd actually use, what its points earn beyond a plain 2% card, and what its protections would cost to buy.
PNC Bank · No annual fee · cash back
Earning rates
- 4x Gas stations (4% on up to $8,000/yr combined with dining + groceries, then 1%)
- 3x Restaurants (3% on up to $8,000/yr combined with gas + groceries, then 1%)
- 2x Grocery stores (2% on up to $8,000/yr combined with gas + dining, then 1%)
- 1x Everything else
Protections and perks (2)
- Purchase Security — New purchases covered 90 days against theft or damage from fire, vandalism, weather, or accidental water discharge.
- Cell Phone Protection — Up to $800 per claim for damage, theft, or involuntary parting when you pay your monthly wireless bill with the card ($50 deductible).
Card data verified against PNC Bank on 2026-08-23.
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