The PNC Money Limitless Card, issued by PNC Financial institution, touts a strong 2% money again on all eligible purchases, in addition to perks together with cellphone insurance coverage and a 0% introductory APR interval on stability transfers.
These advantages, along with a giant money sign-up bonus, make the $0-annual-fee card one of many finest bank cards that earn 2% on all purchases. Nonetheless, you’ll have to have an present relationship with PNC Financial institution or reside inside a restricted geographic footprint to qualify.
Listed here are 5 issues to know concerning the PNC Money Limitless Card.
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1. You’ll earn a vast 2% money again all over the place …
When you’re searching for a rewards bank card with no quarterly activations or bonus classes to trace, then a card that provides 2% money again all over the place may be for you. And that’s precisely what you’ll get with the PNC Money Limitless Card.
Money again is earned as factors which are price 1 cent every when redeemed for an announcement credit score, journey by way of PNC’s Journey Catalog, or direct deposit to an eligible PNC Financial institution checking, financial savings or funding account. Factors by no means expire, however cardholders will need to have not less than 5,000 factors to redeem towards journey. You may as well redeem for third-party present playing cards, however level values will differ relying on the service provider.
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2. … However you’ll have to reside in choose states to qualify
PNC Financial institution has bodily places in practically 30 states and Washington, D.C. You’ll have to reside in a type of places or have an present banking relationship with PNC to use on-line for any of the financial institution’s bank cards.
When you’re searching for a 2% money again card with out geographic restrictions, take a look at the Wells Fargo Lively Money® Card. It provides lots of the similar options because the PNC Money Limitless Card, comparable to limitless money again and a giant sign-up bonus however is accessible nationwide.
3. There’s a giant sign-up bonus
The sign-up bonus on the PNC Money Limitless Card is without doubt one of the finest out there amongst flat-rate cash-back playing cards. New cardholders can get $250 after spending not less than $1,000 throughout the first three months of account opening.
That’s larger than the sign-up bonus you’ll obtain on competitor cash-back playing cards, such because the Wells Fargo Lively Money® Card or the Citi Double Money® Card.
4. The cellphone insurance coverage is top-notch
Mobile phone insurance coverage is changing into a extra frequent bank card perk, however the PNC Money Limitless Card comes with best-in-class protection when your cellphone is broken or stolen. Cardholders will obtain as much as $800 in protection per declare (topic to a $50 deductible) on a most of two claims per 12-month interval. Merely pay your invoice every month together with your card to qualify.
NerdWallet’s scores are decided by our editorial staff. The scoring method incorporates protection choices, buyer expertise, customizability, value and extra.
5. It’s an excellent choice for consolidating debt
When you’re seeking to consolidate debt and obtain a reprieve from excessive rates of interest, the PNC Money Limitless Card is an effective choice. New cardholders will obtain a 0% introductory APR on qualifying stability transfers for 15 months. (A variable APR will apply after that.) Steadiness transfers should happen inside 90 days of account opening.
When you’re searching for an extended 0% APR interval on stability transfers, take a look at the Citi Simplicity® Card. You will not earn rewards or a sign-up bonus, nevertheless it provides a 0% intro APR on Purchases for 12 months and 0% intro APR on Steadiness Transfers for 21 months after which the continued 19.24%-29.99% Variable APR.
