The best PNC cash back credit card is the PNC Cash Rewards® Visa® Credit Card. This card has a $100 after spending $1,000 in the first 3 months. PNC Cash Rewards® Visa® Credit Card also gives 2% on grocery store purchases, 3% on dining purchases at restaurants including fast food and 4% on gas station purchases for the first $8,000 in combined purchases in these categories annually, 1% cash back on all other purchases. Plus, this credit cards has a $0 annual fee.
The only bad thing is you need a minimum of $25 cash back to redeem your rewards earnings. But you can redeem for a statement credit or a deposit into a PNC bank account.
Other Ways to Earn Cash Rewards
You can also earn cash rewards with the PNC Points Visa® Credit Card. Note, though, that this card just gives points redeemable for cash not actual cash back. Although that card offers pretty good points-earning rates, each point is worth a lot less than 1 cent in cash back.
Ultimately, if you’re not loyal to PNC, you could check out our editors’ latest picks for the best cash back credit cards on the market to weigh your options.
No, there are no PNC credit cards available for students right now. Plus, most PNC consumer credit cards require at least good or excellent credit for approval. That puts them out of reach not only for most college students, but also the average person.
Another credit-building option is to open a secured credit card account. A secured card requires you make an upfront deposit to set your credit limit. A good secured credit card to consider is the Capital One Platinum Secured Credit Card. You’ll receive a $200 credit limit with a required deposit of $49, $99 or $200 based on the specifics of your credit history.
Here are some alternatives to a PNC student credit card:
The Deserve EDU offers 1% cash back on all purchases. This card is also a good choice for international students, as it has no SSN requirement and charges $0 foreign fees. The card has a $0 annual fee.
The Bank of America® Unlimited Cash Rewards credit card for Students offers a $200 after spending $1,000 in the first 90 days. Plus, the card gives 1.5% cash back on all purchases. The Bank of America® Unlimited Cash Rewards credit card for Students also comes with an intro APR of 0% for 15 months on both purchases and balance transfers. The card’s regular APR is 14.24% - 24.24% (V). There is also a 3% (min $10) balance transfer fee. This card has a $0 annual fee.
The BankAmericard® Credit Card for Students gives you a $100 statement credit after spending $1,000 in the first 90 days. This is one of the best student cards for financing, as it offers an intro APR of 0% for 18 months on both purchases and balance transfers. The card’s regular APR is 13.24% - 23.24% (V). There is also a 3% (min $10) balance transfer fee. This card has a $0 annual fee.
Capital One Platinum Secured offers an initial credit limit of $200 with a deposit of $49, $99 or $200, based on the specifics of your credit history. You will be eligible for a credit limit increase when you make your first six monthly payments on time. The card has a $0 annual fee.
You can also check our editors’ latest picks for the best student credit cards on the market to see which one suits your needs better.
Ultimately, it is worth noting that students can still get a PNC credit card by somehow building at least good credit or getting an existing cardholder to make them an authorized user.
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