PNC Cash Unlimited® Visa Signature® Credit Card
VisaIssued by PNC Bank
Earn an unlimited 2% cash back on every purchase with no annual fee or foreign transaction fees.
ANNUAL FEE
$0
No annual fee for this card.
PURCHASE APR
18.49% – 28.49%
Rate based on creditworthiness and prime rate.
SIGN-UP BONUS
250
Earn a $250 bonus after you make $1,000 or more in purchases during the first 3 months following account opening.
TOP CASH BACK
2% Cash Back
Earn unlimited 2% cash back on every purchase, everywhere, every day.
Key Benefits
- Earn unlimited 2% cash back on every purchase, every day
- No caps on the amount of cash back you can earn
- No annual fee
- No foreign transaction fees
- Cell phone protection—reimbursement up to $800 if your phone is stolen or damaged
- Visa Signature® benefits including 24/7 concierge and travel assistance
- 0% introductory APR for 15 months on balance transfers (within 90 days of opening)
Important Limitations
- Financing new purchases (intro APR is for balance transfers only)
- Maximizing specific high-spend categories like dining or groceries beyond 2%
Rewards Structure
| Purchase Category | Rate | Annual Limits | Details |
|---|---|---|---|
| All | 2% Cash Back | Unlimited (no annual cap) | Earn unlimited 2% cash back on every purchase, everywhere, every day. |
Fees & APR
ANNUAL FEE
$0
REGULAR PURCHASE APR
18.49% – 28.49%
CASH ADVANCE APR
28.49% – 28.49%
FOREIGN TRANSACTION FEE
0%
LATE PAYMENT FEE
$40
BALANCE TRANSFER FEE
$5 OR 4%
CASH ADVANCE FEE
$10 OR 4%
Card Protection & Benefits
Cell Phone Protection
- ✓Get reimbursed up to $800 per claim if your cell phone is stolen or damaged, for up to 2 claims and $1,600 per 12-month period.
- ✓Must pay your monthly cellular wireless bill with your covered PNC card
- ✓Subject to a $50 deductible per claim
Visa Signature Concierge
- ✓Complimentary 24/7 access to personal assistance for travel planning, dinner reservations, and event tickets.
Security Features
- ✓Zero Liability Fraud Protection – You won't be held responsible for unauthorized transactions made with your card.
Best Use Cases
IDEAL FOR
- Individuals seeking a high flat-rate 2% return on all spending
- People looking for a low-maintenance rewards card with no annual fee
- Cardholders who want premium perks like cell phone insurance without a premium fee
NOT RECOMMENDED FOR
- Financing new purchases (intro APR is for balance transfers only)
- Maximizing specific high-spend categories like dining or groceries beyond 2%
Maximize Your Rewards Strategy
Months 1–3: Hit the Bonus
- Spend $1,000.00 to unlock $250.00 bonus
- Effective 25% return on first $1,000.00
- Time large purchases strategically
- Track progress toward spending goal
- Don't overspend just for the bonus
Earn More Cash Back
- 2% Cash Back on All
- Set up autopay to avoid late fees
- Review partner programs for bonus opportunities
Ongoing: Optimize Categories
- Prioritize highest-rate qualifying expenses first
- Monitor any annual spending thresholds
- Redeem cash back at minimum thresholds
- Set up autopay to avoid late fees
- Review new offers each year
Customer Support:
1-888-762-2265
Terms subject to change · View full terms
Last updated: Feb 25, 2026
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