PNC Bank
PNC Cash Rewards
Annual fee
$0
Welcome bonus
$200 statement credit · ≈ $200
Rewards
Cash
Benefits
1 · $50/yr
Earn Rates
| Category | Rate | True cash-back value |
|---|---|---|
| Gas | 4% | 4% |
| Dining | 3% | 3% |
| Groceries | 2% | 2% |
| Everything else | 1% | 1% |
True value converts point multipliers to dollars using MaxWorth point valuations. Issuer-portal-exclusive rates are excluded.
Protections (1)
Cell Phone Protection
$50/yr
Cell phone protection covers up to $800 per claim if your cell phone is damaged or stolen, when you pay your monthly cell phone bill with your PNC Cash Rewards card. Subject to a $25 deductible per claim. Maximum 2 claims per 12-month period.
Stop tracking this in a spreadsheet.
The MaxWorth app tracks all 1 PNC Cash Rewards benefits automatically — redemption progress, reset dates and expiry alerts.