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PNC Cash Unlimited: terms, score and downsides

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric score 57.0% across 78 cards (limited data). Issuer page ↗

Downsides first

• APR up to 29.24% if you carry a balance
• Penalty APR up to 34.24%
• Late fee up to $38

Terms & fees

• IssuerPNC
• Typecash back
• Annual fee$0 (CFPB TCCP; issuer page did not render a clear fee) files.consumerfinance.gov, 2025-12-31
• Regular purchase APR18.49%–29.24% variable files.consumerfinance.gov, 2025-12-31
• Rewardsnot found pnc.com, 2026-10-12
• Sign-up bonus (≈$)not found pnc.com, 2026-10-12
• Intro APRnone No intro APR shown pnc.com, 2026-10-12
• Foreign transaction feenone files.consumerfinance.gov, 2025-12-31
• Penalty APRup to 34.24% variable; from the agreement's pricing table (daily rate 0.09380%) files.consumerfinance.gov, 2026-06-30
• Late feeup to $38 up to (first and repeat late fee) files.consumerfinance.gov, 2025-12-31
• Balance transfer fee5% files.consumerfinance.gov, 2025-12-31
• Cash advance fee5% files.consumerfinance.gov, 2025-12-31
• Credit needed620–719, 720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31
• Grace period21 days files.consumerfinance.gov, 2025-12-31
• Cash advance APR29.24% files.consumerfinance.gov, 2025-12-31

Complaint record (CFPB)

• Complaints, last 12 months3,856
• Trend▲ 31.3% (last 12 mo 3,856 vs prior 12 mo 2,937)
• Timely response (last 36 mo)100.0%
• Per $1B deposits (12 mo)8.42
• Top issueManaging an account
• Insurance statusFDIC-insured: PNC Bank, National Association (cert 6384, active; deposits $457.8B as of 06/30/2026)

Company-level (PNC Bank N.A.), all products, as of 2026-10-12. PNC complaints: full record → Shown for context; does not change the score.

Score breakdown

• Annual fee 10.0/10Annual fee $0 (CFPB TCCP; issuer page did not render a clear fee) (as of 2025-12-31). Rubric: $0=10, ≤$95=8, ≤$395=5, ≤$695=3, more=1 (perks/credits are not counted).
• Rewards rate n/a/10not found — unknown, scored 5.0/10 (lower of neutral 5 and comparison median)
• Sign-up bonus n/a/10not found — unknown, scored 2.7/10 (lower of neutral 5 and comparison median)
• Intro 0% APR 0.0/10No intro APR shown (as of 2026-10-12). Score = months/21×10.
• Regular APR 7.2/1018.49%–29.24% variable; CFPB TCCP range (as of 2025-12-31); midpoint 23.86%. Score = (34 − midpoint)/1.4, 0–10.
• Foreign transaction fee 10.0/10No foreign transaction fee (as of 2025-12-31).
• Regulatory record (CFPB) n/a/10not found — unknown, scored 5.0/10 (lower of neutral 5 and comparison median)

0.143×10.0 + 0.143×5.0* + 0.143×2.7* + 0.143×0.0 + 0.143×7.2 + 0.143×10.0 + 0.143×5.0* = 5.70 → 57.0% (* unknown, imputed)

Is PNC Cash Unlimited worth it? (break-even math) →Value for my spending →

Compare with

PNC Cash Unlimited vs Chase Freedom Unlimited · PNC Cash Unlimited vs Chase Freedom Flex · PNC Cash Unlimited vs Citi Double Cash · PNC Cash Unlimited vs Wells Fargo Active Cash · PNC Cash Unlimited vs Capital One Quicksilver · PNC Cash Unlimited vs Capital One Savor

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

What is the PNC Cash Unlimited annual fee?

$0 (CFPB TCCP; issuer page did not render a clear fee)

What is the PNC Cash Unlimited APR?

18.49%–29.24% variable

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.