The PNC Bank categories for bonus credit card rewards are gas, dining, and grocery store purchases. When cardholders make purchases with a PNC Cash Rewards® Visa® Credit Card from PNC Bank that qualify for the bonus categories, they earn extra rewards compared to the card’s base rewards rate.
Whether a purchase falls into a card’s bonus categories depends on “Merchant Category Codes,” which are assigned by the major credit card networks to merchants based on what kind of business they conduct. So if a merchant has the MCC for “gas,” for example, purchases made at that merchant with cards that include “gas” as a bonus category will earn bonus rewards.
If you’re looking to get a rewards credit card from PNC Bank, it’s a good idea to pick a card that offers the opportunity to earn bonus rewards in your most frequent purchase categories. Alternatively, you might want to get a card that offers a flat rewards rate on all purchases, like the PNC Points Visa® Credit Card.
There are three different types of credit card rewards: points, miles and cash back. Rewards credit cards are also targeted to three main groups: students, small business owners and people with above-average credit.
Although there are differences between credit card rewards currencies and the ways in which credit card companies dole them out to different groups, the major types of credit card rewards all work pretty much the same way. You’ll earn rewards for...
The best PNC Visa rewards card is the PNC Cash Rewards® Visa® Credit Card because it rewards you with a bonus $200 after spending $1,000 in the first 3 billing cycles. Cardholders also earn 1 - 4% cash back on purchases and enjoy a $0 annual fee.
Initial Bonus: $200 after spending $1,000 in the first 3 billing cycles
Ongoing Rewards: 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
WalletHub is committed to transparency and editorial independence. The information about the following cards has been independently collected by WalletHub: PNC Points Visa® Credit Card, PNC Cash Rewards® Visa® Credit Card, and PNC Points Visa® Business Credit Card
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