Offer value details
PNC describes Cash Unlimited as a credit card with unlimited 2% cash back on purchases, no annual fee, no foreign transaction fee, no earning cap, no quarterly activation, and no purchase categories to track.
Qualification requirements
Cash back applies to purchases under the rewards terms. PNC says the term purchases excludes some transactions, including cash advances, cash-equivalent activity, and balance transfers. The rewards terms also exclude transactions made at or with a financial institution, interest, fees, insurance premiums, gambling or gaming merchant-category purchases, and other excluded activity.
Fees and costs
PNC's rates disclosure lists no annual fee and no foreign transaction fee. It lists purchase APR of 18.49% to 28.49%, cash-advance APR of 28.49%, penalty APR of 32.49%, balance-transfer fees of $5 or 4% during the first 90 days and $5 or 5% after that, cash-advance fees, and late or returned-payment fees.
Availability
PNC Bank, National Association is the issuer. Credit approval is required, and PNC says applicants must qualify for a minimum credit line of $5,000. The product page says pre-approval can be checked before applying without impacting credit score.
What to verify
- This is an ongoing cash back profile, not an opening-bonus listing.
- The 2% cash back rate applies to purchases, and several transaction types are excluded by the rewards terms.
- Interest, penalty APR, balance-transfer fees, cash-advance fees, late-payment fees, and returned-payment fees can outweigh rewards.
- Applicants must qualify for a minimum $5,000 credit line, and pre-approval is not the same as final credit approval.
- Unredeemed cash back is forfeited if the account is closed before redemption.
Confirm current provider terms
Rates, rewards, fees, qualification rules, eligibility, and deadlines can change. Review the provider terms before applying.