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PNC CashBuilder Visa Credit Card Reviews & Info

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Contact Information

  • Telephone: 1-877-CALL-PNC
  • E-Mail: pnccredit@pnc.com
  • Mailing Address: PNC Bank, 500 First Ave, Mailstop P7-PFSC-01-S, Pittsburgh, PA 15219

The PNC CashBuilder Visa Credit Card is issued by PNC bank and offers its holders numerous benefits including a generous cash back rewards system (ranging from at least 1.25% to 1.75%), no introductory APR in the first 12 months after opening an account and great introductory rates for initial balance transfers.

Card Information

Rewards

At least 1.25% cash back on net purchases.
1.50 % cash back after making purchases between $2,000–$3,999.99 in the prior billing cycle or maintain a Performance Checking account or Virtual Wallet.
1.75 % cash back after making purchases greater than $4,000 in the prior billing cycle or maintain a Performance Checking account or Virtual Wallet.
Same cash back rates on all categories (including travel, gas, groceries etc.)

Signup Bonus

0% introductory APR in the first 12 billing cycles.
Great introductory rate for the balance transfer option.

Annual Fee

None

Cash Advance APR

22.24% variable according to the Prime Rate.

Late Payment Fee

Up to $35

Purchases APR

13.24% to 22.24%, based on your creditworthiness.

Pros and Cons

Pros

+ 0% introductory APR
+ Cash back rewards
+ No annual fee

Cons

- High interest after the introductory period
- High penalty APR (29.24%)
- High late payment fee

5 Reviews

PNC CashBuilder Visa Credit Card Overall rating: ★★★★☆ 3.6 based on 5 reviews
5 1

That's the best deal!

★★★★★
5 5 1
Just got this card a few months ago and I am completely satisfied with it, I have absolutely no complaints and I strongly recommend it to everybody.

Almost the best I've had

★★★★☆
4 5 1
This card is fantastic, such great rewards and also good signup bonuses in terms of interest and balance transfers. Too bad though the interest gets quite high after the first year…

I thought it's great but...

★★★☆☆
3 5 1
At the beginning I really thought this card is perfect, but after 2 years or so, I realized the interest is way too high and also the cash back thing is not so amazing as I initially thought.

Way to go PNC!

★★★★☆
4 5 1
One of my favorite cards ever, although it sort of lacks due to its quite large late payment fees…but they are actually not much higher than for other cards, so I can’t really say that’s a big shortcoming

Terrible

★★☆☆☆
2 5 1
I really hate this card, I’ve had sooo many problems since I opened this account, it was very difficult for me to redeem my cash back and the customer support was not extremely great either.
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