PNC Cash Unlimited Visa Signature: 2% Back, $250 Bonus, No FTF & No Annual Fee

PNC recently launched the Cash Unlimited Visa Signature. Card details as follows:

  • $250 bonus when you spend $1,000+ within the first three months
  • Card earns 2% cash back on all purchases
  • $0 annual fee
  • No foreign transaction fee
  • $800 cell phone protection
  • 15 month interest fee period on balance transfers ($5 or 4% balance transfer fee)

Interesting card due to the 2% back and no FTF or annual fee for everyday purchases.

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48 Comments
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cameron
cameron (@guest_1938950)
October 26, 2024 13:57

theres also a $6000/$600 busines card

fdic
fdic (@guest_1906977)
September 7, 2024 14:37

Does PNC have a way to check if you are pre qualified like Capital One has?

cc
cc (@guest_1910640)
September 12, 2024 17:56

no

Tigerlicious
Tigerlicious (@guest_1902463)
August 30, 2024 12:48

Had a pnc banking account but closed. Used that login and applied. Under review then approved second day with 5k. 4/24

Steve
Steve (@guest_1901457)
August 28, 2024 23:46

Non PNC customer, approved via phone application, 4/24, 2/12.

Morris
Morris (@guest_1901349)
August 28, 2024 20:04

LOL/24 and Declined.

ORyan
ORyan (@guest_1900817)
August 28, 2024 01:11

“The applicant must be a PNC Online Banking user to apply online.”

YOU SHOULD BE A PNC CUSTOMER TO APPLY FOR THIS CREDIT CARD.

Kafka
Kafka (@guest_1900758)
August 27, 2024 22:24

Nice to see purchase protection on a no-fee card.
Also, cell insurance has a $50 deductible, not bad.

Al
Al (@guest_1900618)
August 27, 2024 19:05

Intresting !! No Verdict by Doc ??!! Just simple Announcements about this card  Chuck

Al
Al (@guest_1900699)
August 27, 2024 20:38

Still not worth mentioning though like your regular approach to other cards:

” Will add this card to our list of best Everyday Credit Cards ?!!!! ”

Considering lots of inferior cards are in that list right now such as the 2% WF redemption crazy cards and so on .

leapfrogger
leapfrogger (@guest_1900589)
August 27, 2024 18:53

I opened a PNC virtual wallet checking/savings accounts and got $400 bonus. I think within the last two years. Does this disqualify me? Anyone know?

GZG
GZG (@guest_1900830)
August 28, 2024 01:45

nothing stopping you from getting the card if you got the checking bonus, PNC feels like a bank where it’s a soft requirement to have the checking in order to get the credit card

Karl
Karl (@guest_1901218)
August 28, 2024 17:02

If it’s still open it qualifies you.

If you got the bonus >24 months ago, and closed it at least 3 months ago, you can open a new one for another $400 bonus. That will qualify you for the CC too.
https://www.doctorofcredit.com/pnc-up-to-250-400-checking-bonus/

If neither, try logging in with your old credentials when you apply for the card. I don’t know if it would work but it’s worth a try.

If you’re churning the $400 bonus on a regular 25-26 month cycle you can downgrade and keep the checking open for ~22 months each cycle. It’s easy to keep fee-free and they send targeted CC offers similar to this one.

Leapfrogger
Leapfrogger (@guest_1901335)
August 28, 2024 19:51

Thanks so much for the info

Andrew H
Andrew H (@guest_1900466)
August 27, 2024 16:26

Declined- lots of hard pulls over past year.