Unlimited 2% on eligible purchases, redeemed as statement credit.
Statement-credit redemption starts at one cent and does not require a separate PNC deposit account. It does not replace your minimum payment.
The rates we use
| Purchases | Rate | Annual cap |
|---|---|---|
| Other eligible purchases | 2% | Uncapped |
Annual fee: $0. Other fees may apply.
What qualifies?
Eligible personal net purchases only. Excludes transfers, advances, cash equivalents, financial-institution transactions, gambling or gaming, fees, interest, and insurance obtained through PNC or its affiliates. Returns reduce rewards.
Cash redemption assumption
One point equals one cent as statement credit. Deposits are also available to eligible PNC accounts, but no deposit relationship is assumed here. Keep the card account open to retain rewards.
What this estimate leaves out
This is Cash Unlimited, not PNC Cash Rewards. The public offer requires qualification for a credit line of at least $5,000; this calculator does not assess eligibility. Promotional offers, travel or gift-card redemption, and non-reward benefits are not valued. PNC rounds by purchase; our category-level annual rounding can differ.
The calculation assumes full payment and does not include interest, foreign transaction charges, or other fees. This is a rewards comparison, not a credit or borrowing-cost recommendation.
A worked example
For the illustrative Everyday mix ($2,000 per month), this model returns $480 per year. Your own categories may change that amount. The breakdown below uses the same arithmetic as the calculator.
| Category | Annual spend | Calculation | Cash back |
|---|---|---|---|
| Groceries | $7,200.00 | $7,200.00 × 2% | $144.00 |
| Dining & takeout | $3,600.00 | $3,600.00 × 2% | $72.00 |
| Gas | $1,800.00 | $1,800.00 × 2% | $36.00 |
| Online retail | $2,400.00 | $2,400.00 × 2% | $48.00 |
| Drugstores | $600.00 | $600.00 × 2% | $12.00 |
| Entertainment & streaming | $1,200.00 | $1,200.00 × 2% | $24.00 |
| Everything else | $7,200.00 | $7,200.00 × 2% | $144.00 |
| After $0 annual fee | $480.00 | ||
Check the source
These are source-reviewed facts, not a live offer feed. Confirm current terms and your exact card variant directly with the issuer.