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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
 Prime
 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:
 None
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%, 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:
 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
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 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.


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Apply online for Citi® Double Cash Card

Citi® Double Cash Card

  • 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99%-22.99%, based on your creditworthiness
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • The only card that earns you cash back TWICE on every purchase with:
  • 1% cash back when you buy
  • Plus 1% cash back as you pay for those purchases, whether you pay in full or over time*
  • No Category Restrictions, No Caps, No Enrollments in Rotating Categories
  • No Annual Fee
Credit Needed:
Excellent
Apply online for BankAmericard Cash Rewards™ Credit Card

BankAmericard Cash Rewards™ Credit Card

  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 1% cash back on every purchase, 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery/gas purchases each quarter
  • No annual fee
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 12.99% - 22.99% Variable APR. 3% fee (min $10) applies to balance transfers.
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
Credit Needed:
Excellent/Good