Is the PNC Cash Rewards Visa subject to Chase's 5/24 rule?

No, the PNC Cash Rewards Visa is issued by PNC, not Chase. Therefore, it is not subject to Chase's 5/24 rule, which applies only to Chase-branded credit cards.

What credit score is needed for the PNC Cash Rewards Visa?

While PNC does not publicly state a minimum credit score, applicants generally have the best approval odds with a good to excellent credit score, typically considered 670 FICO or higher.

Can I get the PNC Cash Rewards Visa bonus twice?

No, the welcome bonus for the PNC Cash Rewards Visa is explicitly for 'new cardmembers only.' This means you can typically only earn this specific bonus once per lifetime for this card.

Does the PNC Cash Rewards Visa have an annual fee?

No, the PNC Cash Rewards Visa has a $0 annual fee, making it a cost-effective card to keep long-term.

What are the foreign transaction fees for the PNC Cash Rewards Visa?

The PNC Cash Rewards Visa does not charge foreign transaction fees, making it a good option for international travel or purchases made with foreign merchants.

Which states can apply for the PNC Cash Rewards Visa?

Applications for the PNC Cash Rewards Visa are restricted to residents of AL, DC, DE, FL, GA, IL, IN, KY, MD, MI, MO, NC, NJ, OH, PA, SC, VA, WI, WV.

PNC Cash Rewards Visa: $250 Bonus & No Annual Fee

The PNC Cash Rewards Visa offers a straightforward $250 cash bonus for new cardmembers, making it a compelling option for those seeking a valuable signup bonus without an annual fee. To earn this bonus, you'll need to meet a modest minimum spend requirement within the initial months. Eligibility is primarily for new PNC cardmembers residing in specific states, and while no strict credit score floor is published, a good to excellent credit profile is generally recommended for approval. This card is a solid choice for maximizing a quick cashback return.

The PNC Cash Rewards Visa is a no-annual-fee cashback card that provides a valuable welcome bonus for new applicants. This page details the current offer, eligibility requirements, and whether this card is a good fit for your churning strategy.

Current Welcome Bonus & Value

As of June 2026, the PNC Cash Rewards Visa offers a $250 cash bonus. This bonus is straightforward cashback, providing a clear and immediate value of $250 directly to your account. This offer is valid until May 15, 2026.

Minimum Spend to Earn It

To earn the $250 cash bonus, you must spend $1,000 within the first 90 days of account opening. This is a relatively low and achievable spending requirement, making the bonus accessible for most applicants.

Who's Eligible

Understanding the eligibility rules is crucial for successful credit card churning:

New Cardmember Only: This bonus is available only to new PNC Cash Rewards Visa cardmembers. If you've had this specific card before, you are generally not eligible for the welcome bonus again.
Geographic Restrictions: Applications are restricted to residents of select states: AL, DC, DE, FL, GA, IL, IN, KY, MD, MI, MO, NC, NJ, OH, PA, SC, VA, WI, WV.
Credit Score: While PNC does not publicly disclose a minimum credit score, applicants generally benefit from having a good to excellent credit score (typically 670+ FICO) to improve their approval odds.
Issuer Application Rules: PNC does not have widely known restrictive application rules similar to Chase's 5/24 rule. However, approval is always subject to PNC's internal underwriting criteria.

Is It Worth It?

The PNC Cash Rewards Visa can be a worthwhile addition to your wallet, especially for its welcome bonus:

Pros:

Valuable Welcome Bonus: A $250 cash bonus for a relatively low minimum spend is an excellent return.
No Annual Fee: This card costs nothing to keep open year after year, making it a great long-term option for building credit history without ongoing fees.
No Foreign Transaction Fee: You won't incur extra charges when making purchases abroad or with international merchants.
Easy Minimum Spend: The $1,000 spend in 90 days is highly achievable for most individuals.

Cons:

Geographic Limitations: The card is not available nationwide, limiting access for many potential applicants.
New Cardmember Only: This restriction means you can typically only earn the bonus once.
No Specific Multipliers Provided: While a cashback card, specific high-earning categories are not detailed in the provided facts, so its long-term earning potential beyond the bonus is not highlighted here.

How to Apply

To apply for the PNC Cash Rewards Visa, visit the PNC Bank website or a PNC branch if available in your state. You will typically need to provide personal information such as your name, address, Social Security number, and income details. Ensure you meet the geographic eligibility requirements before applying.

Alternatives

If the PNC Cash Rewards Visa isn't the right fit, or if you're looking for other options, consider these related cards:

PNC Cash Unlimited Visa Signature
PNC Premium Rewards Credit Card
PNC One Key+ Card
PNC Personal World Mastercard
Customized Cash Rewards (from other issuers)
Blue Cash Everyday (from other issuers)

Offers change frequently and may not be available to all applicants. Information is provided for research; verify terms on the issuer's site before applying. Chuuurning may not be compensated by issuers.

Cash Rewards Visa — $250 bonus