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PNC CashBuilder® Visa® Credit Card Review

PNC CashBuilder® Visa® Credit Card details

Balance Transfer Intro APR:
0% Fixed
Balance Transfer Intro Period:
APR:
12 billing_cycles
Balance Transfer Fee:
3% ($5 min. )
Annual Fee:
None
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Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 prime
 
 
Margin:
 9.74 - 18.74
 9.74 - 18.74
 18.74
APR:
  12.99% - 21.99% Variable
 12.99% - 21.99% Variable
 21.99% Variable
APR Floor:
 None
 None
 None
Intro Rate:
 None
 0% Fixed
 None
Intro Period:
 None
 12 billing_cycles
 None


Finance Calculation Method:
 Average Daily Balance
Default/Penalty APR:
 28.99% Variable
Default/Penalty Margin:
 25.74
Default/Penalty APR Floor:
 
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%
Late Fee:
 N/A
Over-the-limit Fee:
 None
Balance Transfer Fee:
3% ($5 min. )  


Notes:

Rebate Description:
 Earn 1.25% cash back on net purchases in the next billing cycle after you make adjusted purchases totaling any amount up to $1,999.99 in the prior billing cycle. Earn 1.50% cash back on net purchases in your next billing cycle after you make adjusted purchases totaling $2,000–$3,999.99 in the prior billing cycle OR maintain a Performance Checking account or Virtual Wallet with Performance Spend and meet minimum balance or direct deposit requirements in the prior billing cycle. Earn 1.75% cash back on net purchases in your next billing cycle after you make adjusted purchases totaling $4,000 or more in the prior billing cycle OR maintain a Performance Select Checking account or Virtual Wallet with Performance Select and meet minimum balance or direct deposit requirements in the prior billing cycle.
Special Notes:
 APR for Balance Transfers: 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. Late Payment Fee and Returned Payment Fee: Up to $35 each. Balance Transfer Fee: Either $5 or 3% of the amount of each balance transfer, whichever is greater. Cash Advance Fee: Either $10 or 4% of each cash advance, whichever is greater. As per the online application, the states available to apply for PNC credit cards are: AL DE DC FL GA IL IN KY MD MI MO NC NJ OH PA SC VA WI WV. The due date is at least 21 days after the close of each billing cycle. The card issuer will not charge you interest on purchases if you pay your entire balance by the due date each month. Penalty APR: 28.99%; If your APRs are increased for the stated reason, the Penalty APR will apply until you make six consecutive minimum payments when due.
Credit Card More Information:

Card Issued By:
 PNC Bank, National Association
General Correspondence Address:
 
Card Type:
 Visa
Card Class:
 Classic/Standard
Card Category:
 Balance Transfer, Cash Back, Gas, Low Intro Rate
States Available In:
 AL, DC, DE, FL, GA, IL, IN, KY, MD, MI, MO, NC, NJ, OH, PA, SC, VA, WI, WV
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

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.


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Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. Ratings vary by category, and the same card may receive a certain number of stars in one category and a higher or lower number in another.

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