dcsimg

Our credit cards articles, reviews and ratings maintain strict editorial integrity and are independent of whether a card is an advertiser (they are neither commissioned by nor reviewed, approved or endorsed by issuers); however we may receive compensation through the issuers' affiliate programs when you click on links to products from our partners and get approved. See details on how we make money here.

About Our Ratings
Credit Needed
Excellent

PNC Bank CashBuilder® Visa® Credit Card Review

Top Features

Cashback on Gas
1.25% - 1.75%
Cashback on groceries
1.25% - 1.75%
Cashback on other
1.25% - 1.75%
Annual Fee
None

This card compared to other cash back cards

Card Name
PNC Bank CashBuilder® Visa® Credit Card
Cashback on Gas
1.25% - 1.75%
1%
5% Earnings for $5k and 2% after
Cashback on Groceries
1.25% - 1.75%
1%
5% Earnings for $5k and 2% after
Cashback on other
1.25% - 1.75%
5% cash back in new bonus categories each quarter like gas, restaurants, Amazon.com and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
5% Earnings for $5k and 2% after
Purchase Intro
APR:
N/A
APR:
0%
Period:
14 months
APR:
0% intro on purchases
Period:
12 months
Purchase APR
13.24% to 22.24% (Variable) 
11.24% - 23.24% Variable 
13.15% - 23.15% (V) (V)
CardRatings.com Editorial Staff

PNC Bank CashBuilder® Visa® Credit Card details

Balance Transfer Intro APR:
0% introductory APR for the first 12 billing cycles following account opening when the balance is transferred within the first 90 days following account opening
Balance Transfer Intro Period:
12 billing cycles
Purchase Intro:
APR:
N/A
Purchase APR:
13.24% to 22.24% (Variable)
Annual Fee:
None
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 9.74% to 18.74%
 9.74% - 18.74%
 18.74%
APR:
  13.24% to 22.24% (Variable)
 13.24% to 22.24% (Variable)
 22.24% (Variable)
APR Floor:
 None
 None
 None
Intro Rate:
 N/A
 0% introductory APR for the first 12 billing cycles following account opening when the balance is transferred within the first 90 days following account opening
 N/A
Intro Period:
 N/A
 12 billing cycles
 N/A


Finance Calculation Method:
 Average Daily Balance (including new purchases)
Default/Penalty APR:
 29.24% (Variable); If your APRs are increased for the stated reason, the Penalty APR will apply until you make six consecutive minimum payments when due
Default/Penalty Margin:
 25.74%
Default/Penalty APR Floor:
 None
Maximum Default APR:
 (Variable)
Penalty/Default Trigger:
 The Penalty APR may be applied to your account if you make a late payment.

Credit Card Fee Information:


Annual Fee:
 None
Foreign Transaction Fee:
 3% of each foreign transaction amount in U.S. dollars
Late Fee:
 Up to $35
Over-the-limit Fee:
 None
Balance Transfer Fee:
Either $5 or 3% of the amount of each balance transfer, whichever is greater  


Notes:

Rebate Description:
 Earn 1.25%, 1.50% or 1.75% cash back on net purchases, based on total monthly purchases. Earn even more cash rewards with a qualifying PNC Virtual Wallet or PNC Checking account relationship. See website for details. There’s almost no limit to your earning potential and no expiration date on the cash back you’ve earned.
Special Notes:
 Returned Payment Fee: Up to $35.
Credit Card More Information:

Card Issued By:
 PNC Bank, National Association
General Correspondence Address:

Card Type:
 Visa
Card Class:
 Other
Card Category:
 
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

Credit Card Consumer Average Ratings:

Overall Ratings
Reward Program
Card Benefit
Customer Service

Credit Card Consumer Reviews:

  1. Overall Ratings:
    Reward Program:
    Card Benefit:
    Customer Service:
    M Guins ( Mar 20, 2014 at 5:08 pm)

    This does not work like a traditional credit card. The interest on purchases accrues the moment you make the purchase, not after it appears on your statement and you don't pay it in full (like most cards). The local bank employees did't even understand this until they checked our why I was charged interest when I had made no purchases. Don't get this card.


Write Consumer Reviews:





E-Mail will not be published









Start Here

Search. Compare. Apply.

Apply online for Discover it® - Cashback Match™

Discover it® - Cashback Match™

  • You could turn $200 into $400 with Cashback Match(TM). We'll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back in new bonus categories each quarter like gas, restaurants, Amazon.com and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO(R) Credit Score for free on monthly statements and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO(R) Credit Score terms, Cashback Match(TM) details & other information.
Credit Needed:
Excellent/Good
Apply online for BuyPower Card from Capital One®

BuyPower Card from Capital One®

  • 5% Earnings on your first $5,000 in purchases every year. Unlimited 2% Earnings on every purchase after that. Redeem Earnings toward the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac vehicle.
  • No annual fee, no redemption limits, no Earnings expiration, no foreign transaction fees. Save even more when you combine your available Earnings with most current GM offers and incentives.
  • 0% intro APR on purchases for 12 months, then a 13.15% - 23.15% variable APR on purchases will apply
Credit Needed:
Excellent/Good