If you’re considering opening a PNCPaycard account, there are some things you need to know. First, this bank is large and can be confusing. It doesn’t have much information online about how to open an account, but their Virtual Wallet product may be worth checking out.
PNC Cash Rewards(r) Visa(r) Credit Card
The PNC Cash Rewards Visa does not have an annual fee, but it does require a $25 minimum purchase to earn your first $25 in rewards. While this is a good bonus, you can get much bigger rewards with other cards. Moreover, this card comes with a 0% introductory APR on balance transfers made within 90 days of account opening.
Consumer Spend Amount
For consumers who spend a modest amount on credit cards, the PNC Cash Rewards Visa is a solid choice. You can earn up to 4% cash back on your purchases at gas stations and restaurants, 4% back on everything else, and even get double cash back in the first year. You can redeem your rewards for statement credit or deposits into a qualifying PNC Bank account. If you use the PNC Cash Rewards Visa, make sure to activate it quarterly to get the most out of it.
Offers
The PNC Cash Rewards Visa credit card offers a generous 0% introductory APR for the first 12 billing cycles. After that, the APR will go back to its standard interest rate. However, it is still a good choice for those who make small purchases every month and pay off their balance in full each month.
PNC SmartAccess Prepaid Visa(r) Card
There are many benefits of owning a PNC SmartAccess Prepaid Visa(r). It can be used to purchase groceries, pay bills, and transfer money without incurring fees. PNC offers a variety of prepaid cards that have different features and fees. For example, the Go2Bank Visa allows you to direct deposit up to four days early or two days early if you receive a government benefit check. This feature is not available with the PNC SmartAccess Prepaid Visa. It is important to read the benefits of each card before you make your decision.
Access Visa Card
The PNC SmartAccess Prepaid Visa Card is not linked to a checking or savings account. As such, you can avoid overdraft fees. In addition, this card works anywhere Visa is accepted, which means that you can pay bills online. However, it is best suited for people who live near a PNC ATM.
Benefits
Among the other benefits of this card are its low fee structure and no-fee ATM access. It can also be used as a primary card or a complement to your existing PNC checking account. However, some people may find the prepaid card’s mobile app lacking.
PNC Virtual Wallet
If you want to make your banking experience online easy, PNC Virtual Wallet is the way to go. It’s free to open, requires no minimum balance, and offers several features that help you track spending and grow your savings. There are several account tiers, so you can pick one that fits your needs best.
Financial Institutions
PNC is one of the largest financial institutions in the United States. They have many benefits to offer customers, including low interest rates. You can also get rewards for opening an account with them and keeping your money at PNC for a longer time. Moreover, PNC has several sign-up bonuses for their Virtual Wallet accounts. These bonuses work similarly to the ones you get when you open a new credit card account. Once you’ve completed the required activities, you’ll get the cash.
Wide Networks
Another perk is that PNC has a wide network of ATMs. Unlike some other banks, it has nearly 18,000 locations nationwide. PNC Virtual Wallet account holders are reimbursed for the first two ATM transactions and up to $5 in surcharges. This is great news for those worried about ATM fees.
Chase Freedom Flex
If you are interested in getting a no-annual-fee credit card that earns high rewards in broad categories, the Chase Freedom Flex is a good option. The card is designed to combine well with premium Chase rewards cards, so you can maximize your earnings for every dollar you spend.
Chase Freedom Flex
The Chase Freedom Flex PNCPaycard features an excellent cash-back rewards program with rotating bonus categories. Besides no annual fee, the Chase Freedom Flex offers the best introductory APR on purchases and the best welcome bonus. You can also use it for balance transfers. However, you have to activate the bonus categories every quarter, which means you’ll have to track your spending for a while.
Card For Travelers
The Chase Freedom Flex is a great card for travelers, as it offers 5% cash back on up to $1,500 in travel purchases. Other bonuses include 2% back on dining and drugstore purchases, and 1% back on all other purchases. The card comes with a $200 welcome bonus after you spend $500 on purchases. That’s one of the lowest spending thresholds for a welcome bonus.
