PNC CashBuilder Visa®

The PNC CashBuilder Visa® Credit Card is tailored for cash back enthusiasts and PNC Bank customers seeking a simple yet rewarding cash back experience. With a unique tiered rewards system, this card allows cardholders to earn between 1.25% to 1.75% cash back based on their monthly spending. Specifically, if you spend less than $2,000 in a billing cycle, you earn 1.25%. For those who spend between $2,000 and $3,999.99, the rewards increase to 1.50%. If you're a heavy spender, achieving over $4,000 in a month, you can earn 1.75% cash back on all your purchases. An attractive feature for PNC Bank customers is the ability to bypass high spending thresholds by maintaining qualifying bank accounts, such as the Performance or Virtual Wallet accounts. Additionally, this card has a significant benefit of a 12-month 0% APR on balance transfers, which is particularly advantageous for individuals looking to manage existing high-interest debt. However, potential users should note that there is no sign-up bonus offered. The card also features no annual fee, making it budget-friendly. While the card can be very rewarding for high spenders or those with PNC accounts, light spenders or those seeking immediate bonuses may find better options elsewhere. In summary, the PNC CashBuilder Visa® Credit Card stands out for its cash back opportunities and helpful balance transfer promotion, making it a solid choice for cash-conscious consumers.