PNC CashBuilder® Visa® Credit Card Reviews: Is It Worth It? (2024)Reviews, rates, fees, and rewards details for The PNC CashBuilder® Visa® Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership fees0% intro APR on balance transfersHigh rewards rateReports to the three major credit bureausSpending caps on rewardsNo rewards bonusNo intro APR on purchasesBalance transfer fee
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Lower Cost of Existing Debt." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
We're sorry, but the PNC CashBuilder® Visa® Credit Card may no longer be available to new applicants or we may no longer be able to obtain complete information related to this offer. For customer service call: 800-558-8472, Ext.
PNC CashBuilder® Visa® Credit Card has a rating of 3.1/5 according to our proprietary credit card rating system. This rating reflects how appealing PNC CashBuilder® Visa® Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Lower Cost of Existing Debt'. To break it down further, PNC CashBuilder® Visa® Credit Card earned a score of 5.0/5 for Fees, 2.7/5 for Cost, 3.3/5 for APR, and 3.7/5 for User Reviews.
WalletHub Rating Breakdown
User Reviews
3.7/5
201 reviewsRead and write reviews
Market Comparison
Market Comparison
3.1
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Lower Cost of Existing Debt” for this card.
Fees
5.0
Cost
2.7
APR
3.3
3.1/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit
Annual Fee
$0
APR on Purchases
13.74% - 22.74% (V)
Balance Transfer
0% intro APR for 12 months, 13.74% - 22.74% (V) APR after that
Balance Transfer Fee:3% (min $5)
Rewards
Earn a minimum of 1.25% cash back on just about every purchase.
Earn 1.50% cash back when you make adjusted purchases totaling $2,000-$3,999.99.
Earn 1.75% cash back when you make adjusted purchases totaling $4,000 or more.
Earn same cash back rate on all categories, including travel, gas, groceries and more.
PNC CashBuilder® Visa® Credit Card's Additional Info
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Lower Cost of Existing Debt." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
User Reviews
3.7
Market Comparison
3.1
fees: 5.0
cost: 2.7
APR: 3.3
4.3WalletHub Rating
WalletHub Rating
4.3
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.8
User Reviews
3.6
Market Comparison
4.2
fees: 5.0
rewards: 3.9
cost: 4.5
Other Features: 0.0
4.2WalletHub Rating
WalletHub Rating
4.2
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.4
User Reviews
3.6
Market Comparison
4.3
fees: 5.0
rewards: 5.0
cost: 4.3
APR: 3.8
(201)
(322)
(5,048)
annual fee$0
annual fee$0
annual fee$0
Purchase Intro APRNot Offered
Purchase Intro APR0% for 15 months
Purchase Intro APR0% for 15 months
transfer intro apr0% for 12 months|Transfer Fee:3% (min $5)
transfer intro apr0% for 15 months|Transfer Fee:3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time
transfer intro apr0% for 15 months|Transfer Fee:3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time
Can't find what you are looking for? Submit your question about PNC CashBuilder® Visa® Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
The credit score needed for the PNC CashBuilder® Visa® Credit Card was 750 or better. This means that the card required excellent credit for high chances of approval. However, the PNC CashBuilder® Visa® Credit Card is no longer available to new applicants.
Alternative Credit Card Options
If you're looking for a similar credit card, you could consider applying for the PNC Cash Rewards® Visa® Credit Card. This card offers 1 - 4% cash back on purchases and has a $0 annual fee. The card also comes with an intro APR of 0% for 12 months on balance transfers. There is also a 3% (min $5) balance transfer fee. The card's regular APR is 19.24% - 30.24% (V).
The PNC Cash Rewards® Visa® Credit Card requires excellent credit (a credit score of 750+) for approval. So, make sure you know where you stand before applying. You can check your credit score for free on WalletHub.
The PNC CashBuilder® Visa® Credit Card used offer 1.25 - 1.75% cash back on purchases. However, the card is no longer available to new applicants. This doesn't mean you are out of options, though, as PNC bank now offers the PNC Cash Rewards® Visa® Credit Card as an alternative.
This card offers a bonus of $200 after spending $1,000 in the first 3 billing cycles. Cardholders also get 1 - 4% cash back on purchases. It's totally worthwhile, considering the annual fee is $0.
PNC Cash Rewards® Visa® Credit Card Rewards
Receive $200 Bonus after you make $1,000 or more in purchases during the first 3 billing cycles
Earn 2% on grocery store purchases, 3% on dining purchases at restaurants including fast food and 4% on gas station purchases for the first $8,000 in combined purchases in these categories annually.
You’ll earn at least 1% cash back on purchases everywhere, every time.
Redeem any time you have at least $25 in your PNC Cash Rewards account.
Your cash back never expires as long as your account is open.
Get your cash back as a statement credit or deposited into a qualifying PNC account.
If you're not set on PNC as an issuer, you may also...
The PNC CashBuilder® Visa® Credit Card fraud protection works by reimbursing you when you promptly report unauthorized card transactions, at no additional cost.
More specifically, if your card is lost or stolen, you will not be responsible for unauthorized charges. That's also backed up by federal law, which limits liability for unauthorized charges to $50 (or $0 if your card is stolen and you report it before any charges are made).
If your PNC CashBuilder® Visa® Credit Card or account information is lost or stolen, or if you believe it's being used without your permission, you should immediately call customer service at (800) 558-8472.
The PNC CashBuilder rental car insurance kicks in if you pay for your rental using your card and decline the rental company's collision damage waiver.
It includes coverage for damage due to collision or theft, and you can get reimbursed up to the actual cash value of most rental vehicles. Expensive and antique cars, trucks, limousines and motorcycles are not covered, but you can find out more about the exclusions in this Guide to Benefits.
Share your insights and review for the PNC CashBuilder® Visa® Credit Card
5
14%
4
49%
3
30%
2
4%
1
2%
3.7
201 reviews
201 reviews
What's Your Rating?
Review sort
David Parmelee @david.parmelee.3591
Report Abuse
4 Star Rating
Good card with no annual fee and easy-to-understand cash reward system.
show more
show less
Comment
3
0
Erin Grupp @erin_grupp
Report Abuse
4 Star Rating
I have never had a problem with this card, building up cash is easy. I even had a problem with my card being hacked once, and right away my card was replaced just in case someone had gotten a hold of the number! I highly recommend this card.
show more
show less
Comment
5
1
Treva Kane @treva.kane
Report Abuse
5 Star Rating
This is my favorite credit card. I purchased airline tickets with my PNC card. The airline was suspended and filed bankruptcy. PNC immediately credited my account 100% not making me wait until after the date of the flight as some companies did with their customers. This is a great credit card, highly recommend!
show more
show less
Comment
3
1
Steven Crawley @RehabProject84
Report Abuse
5 Star Rating
I didn't pick this card per say I just wanted a card to help me go on vacation, when I went to the bank this is what I got. It is nice, I went to Florida on a two week vacation I spent about $30,000 on the card during the trip so by doing that I racked up some serious points, or cash back however you look at it. It was nice to get something back for using their card, most banks could care less if your happy, or so it seems. But this card makes it easy, my bills and statements are easy to get to online, if I have questions I never have a problem reaching someone on the customer service line, and they are generally quite polite. As far as cards go I like this one, I've had several cards over time, and this one is quickly becoming my favorite, I like cards and programs in general that give back to you for using them, so this is a perfect fit for me.
show more
show less
Comment
1
1
Rachel Ditzel @bellissario
Report Abuse
3 Star Rating
This is one of the first credit cards I ever had, and I decided to get it to build my credit. I do have to say that PNC is very consistent with sending out statements and bills--they make sure to send it to you in plenty of time before it's due, which is not a standard thing based on my experience! Their online banking was very simple to use, but it seemed that it went down frequently. It was easy to convert my earnings into actual rewards. I liked their customer service, which was largely comprised of live people, but towards the end of my time with this card, they switched overly to a mainly automated system that requires some annoying navigation to get to a person. Thankfully, I didn't have many problems with this card, so I didn't have to deal with that often. I'm not sure that it was the right choice for me at the time--I would recommend this card for a general consumer, but not for someone who's just starting out. Other banks (and even PNC) have much better options like secured cards for that, but I guess I can't blame the customer service representative for pushing this card. Still, there are better cards and I wouldn't get it again.
show more
show less
Comment
2
0
Michael Lamb @michael.lamb.7127
Report Abuse
5 Star Rating
I have used many different rebate cards in my time, but I really like this PNC cashbuilder best for everyday small purchases. The 1.25% rebate is better than most other cards I use for small stuff. Also if you have the better checking account at their bank too you get 1.5%! This is all in cash as a credit on your bill each month. That is awesome to me because it is simple to do. I get a little miffed at the cards that make you jump through hoops to convert points into money (or a gift card.) I have a few of those and try not to use them if I can help it. PNC makes this easier. I recommend PNC cashbuilder to anyone with good credit and who likes rebates.
show more
show less
Comment
0
2
Joel Sprague @joel.sprague.54
Report Abuse
5 Star Rating
This was the first credit card I received, and I still have it. At the time, this was card was underwritten by National City for my credit union. These cards were designed for college students and other people setting up new accounts. I have had this card for 13 years now, and I’ve never had an issue with it. They have a great fraud department, as they’ve been right on top of any possible signs of fraud (including one time when I ordered from a UK company online and then used my card locally in Chicago). If anything, they’re too protective, but that sure beats the alternatives. The interest has always been very reasonable, and their customer service people are top notching. I highly recommend this card to anyone looking.
show more
show less
Comment
1
0
Tyler Kershner @tyler.kershner.3
Report Abuse
5 Star Rating
This card has been an extremely useful asset to have in my post-collegiate years. For one thing, the interest rate is quite low, comparatively. Secondly, it ears 1% cashback on all purchases. This isn't an extremely huge number, but it can really add up when you put it out of your mind - periodically you'll realize that you have an extra $50 to add to your account. Finally, the card is extremely easy to manage using PNC's online services. I can view an incredible number of statistics and analyze trends very easily. Similarly, paying the card is a snap using the online service. I would absolutely recommend this card.
show more
show less
Comment
3
0
WalletHub @WalletHub
I’m so glad to hear that you’ve been pleased with you card. However, the fact that it requires excellent credit for approval means that you are probably a good candidate for a card with a lower interest rate or better rewards. Which you choose depends on whether you pay your bill in full every month or not. If you do, you may find that a card like the Capital One Venture or the Blue Cash Preferred from American Express will prove more lucrative. If you don’t, Citi has a couple of different cards that offer 0% on new purchases for 18 months.
show more
show less
Comment
0
0
+ 193 WalletHub users submitted a rating without writing a full review
* WalletHub is committed to transparency and editorial independence. The information about the following cards has been independently collected by WalletHub: PNC CashBuilder® Visa® Credit Card and PNC Cash Rewards® Visa® Credit Card
WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not the issuer’s responsibility to ensure all posts and/or questions are answered.