The PNC Cash Unlimited® Visa Signature® Credit Card is a good credit card for people with excellent credit (750+ credit score recommended) who want to earn rewards at a high rate but don’t want to deal with a lot of moving pieces or pay an annual fee.

The PNC Cash Unlimited® Visa Signature® Credit Card offers an intro APR of 0% for 15 months balance transfers, though the regular APR is far less attractive, at 18.99% - 28.99% (V). Fortunately, you will earn 2 points per $1 spent on purchases, which will save you money as long as you avoid interest charges.

What I Like About the PNC Cash Unlimited® Visa Signature® Credit Card

Equivalent of 2% Back on All Purchases

The PNC Cash Unlimited® Visa Signature® Credit Card rewards cardholders with 2 points per $1 spent on all purchases, which works out to 2% back. That’s on-par with what the best flat-rate cash rewards cards offer.

Note that while this card rewards you with points, those points are redeemable for cash back. In fact, you can redeem for multiple types of cash rewards, including statement credits and direct deposits to a PNC bank account, as well as gift cards and travel.

The rewards you earn also won’t expire as long as your account is open.

$0 Annual Fee

Lots of credit cards have $0 annual fees, but most aren’t as rewarding as the PNC Cash Unlimited® Visa Signature® Credit Card. Plenty of cards are way more expensive, too, and you’ll save an average of $26.75 per year compared to other credit card offers. Not having an annual fee to worry about can also help you maximize your savings from rewards and enable you to keep your account open for longer, which can benefit your credit score.

0% APR Promotion

The PNC Cash Unlimited® Visa Signature® Credit Card currently offers intro APR of 0% for 15 months on balances transferred within 90 days of opening an account. The interest-free period is about average in length compared to other cards with a low introductory APR, and you can get more time without interest charges from other cards, especially if you forgo rewards. But if you already like the PNC Cash Unlimited® Visa Signature® Credit Card’s rewards and lack of an annual fee, this could be the icing on the cake.

No Foreign Transaction Fee

You won’t be charged extra for making purchases while you’re physically abroad or through international merchants while you’re at home. That’s good news considering foreign fees on other cards are usually equal to 3% of every purchase processed outside of the U.S.

Concierge Service

The PNC Cash Unlimited® Visa Signature® Credit Card concierge can help you with tasks such as booking restaurant reservations or reserving tickets to a show. You can learn more from our overview of the service.

$5,000+ Credit Limit

If you get approved for the PNC Cash Unlimited® Visa Signature® Credit Card, you can expect a credit limit of $5,000 or higher. The exact amount depends on factors such as your credit history, income and debt.

What I Don’t Like About the PNC Cash Unlimited® Visa Signature® Credit Card

Excellent Credit Required

You need a credit score of 750 or higher to feel confident in your chances of being approved for the PNC Cash Unlimited® Visa Signature® Credit Card. That’s not the case for every 2% credit card, though. So, if you check your credit score and discover that it’s lower, you aren’t necessarily out of luck altogether.

18.99% - 28.99% (V) APR

Even though you need top-tier credit to get approved, the regular APR you’re assigned could be extremely high. The range of possibilities is 18.99% to 28.99% (V), and the exact rate you get depends on your overall creditworthiness, including how much income you have compared to your other financial obligations.

To give you a basis for comparison, the average APR among all credit card offers is 22.76%, according to WalletHub’s research, and the average among cards for people with excellent credit is 17.68%.

4% (min $5) Balance Transfer Fee

If you’re considering transferring debt from a credit card or loan issued by another bank or credit union, make sure to account for the 4% (min $5) transfer fee. It’s pretty standard, but it will be added to any balance you transfer, so you’ll need to factor it into your calculations.