The best PNC cash back credit card is the PNC Cash Rewards Visa. It has a $100 signup bonus for spending $1,000 in the first three months. It also gives 4% cash back on gas, 3% cash back on dining, and 2% cash back on groceries. You get 1% cash back on all other purchases. Plus, the PNC Cash Rewards Card 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.
Your other option is the PNC Points Visa, but it just gives points redeemable for cash back 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.
There is no PNC student credit card. And all three PNC consumer credit cards require excellent credit for approval. That puts them out of reach not only for most college students, but also the average person.
While there is no PNC student credit card, there are a number of quality cards from other issuers designed specifically for students. They include the Discover it Student chrome card, which gives 2% cash back at restaurants and gas stations up to $1,000 every quarter. Another good option is the Capital One Journey Student Rewards card, with 1.25% cash back on all purchases for each month you pay your bill on time.… read full answer
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 Secured Mastercard. You’ll receive a $200 credit limit with a required deposit of $49, $99 or $200 based on creditworthiness.
Here are some alternatives to a PNC student credit card:
Discover it Student Chrome: $0 annual fee. 2% cash back at gas stations and restaurants up to $1,000 spent each quarter. First year’s cash back matched. $20 statement credit for a 3.0+ GPA each school year. 0% APR on purchases for 6 months.
Discover it Student Cash Back: $0 annual fee. 5% cash back on up to $1,500 spent per quarter in spending categories that rotate. First year’s cash back matched. $20 statement credit for a 3.0+ GPA each school year. 0% APR on purchases for 6 months.
Journey Student Rewards from Capital One: $0 annual fee. 1% cash back on all purchases (1.25% for months you pay on time). Eligible for a credit limit increase after making your first five monthly payments on time.
Discover it Secured: $0 annual fee. 2% cash back at gas stations and restaurants up to $1,000 spent each quarter. First year’s cash back matched. $200 minimum deposit. Security deposit could be returned after 8+ months of on-time payments.
Capital One Secured Mastercard: $0 annual fee. Initial credit limit of $200 with a deposit of $49, $99, or $200, based on creditworthiness. Eligible for credit limit increase when you make your first five monthly payments on time.
There is no PNC student credit card. But students can still get a PNC credit card by somehow building excellent credit, applying with a co-signer, or getting an existing cardholder to make them an authorized user.
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