PNC CASH UNLIMITED® VISA SIGNATURE®
IMPORTANT INFORMATION ABOUT RATES AND FEES
Interest Rates and Interest Charges
Annual Percentage Rate 20.24% to 30.24%, based on your creditworthiness. This APR
(APR) for Purchases will vary with the market based on the prime rate.
APR for Balance Transfers 0% introductory APR for the first 15 months following account
opening when the balance is transferred within the first 90 days
following account opening.
After that, your APR will be 20.24% to 30.24%, based on your
creditworthiness. This APR will vary with the market based on the
prime rate.
APR for Cash Advances 30.24% This APR will vary with the market based on the prime rate.
Penalty APR 34.24% This APR will vary with the market based on the prime rate.
and When It Applies This APR may be applied to your account if you make a late payment.
How Long Will the Penalty APR Apply? If your APRs are increased
for this reason, the Penalty APR will apply until you make six
consecutive minimum payments when due.
How to Avoid Paying Interest on Your due date is at least 21 days after the close of each billing cycle.
Purchases We will not charge you any interest on purchases if you pay your
entire balance by the due date each month.
Minimum Interest Charge If you are charged interest, the charge will be no less than $1.50.
For Credit Card Tips from the To learn more about factors to consider when applying for or
Consumer Financial Protection using a credit card, visit the website of the Consumer Financial
Bureau Protection Bureau at
http://www.consumerfinance.gov/learnmore.
Fees
Annual Fee None
Transaction Fees
• Balance Transfer Either $5 or 4% of the amount of each balance transfer, whichever
is greater, for the first 90 days following account opening. After that,
either $5 or 5% of the amount of each balance transfer, whichever
is greater
• Cash Advance Either $10 or 5% of the amount of each cash advance
• Foreign Transaction Fee None
Penalty Fees
• Late Payment Up to $38
• Returned Payment Up to $38
How We Will Calculate Your Balance for Purchases: We use a method called “average daily
balance (including new purchases).”
Loss of Introductory APR: We may end your introductory APRs and apply the Penalty APR if
you make a late payment. We may end your introductory APRs and apply the Penalty APR if you
make a late payment.
How We Calculate Variable APRs: We calculate each variable APR by adding a margin (interest
percentage) to the value of an index. The index we use is the “Prime Rate” of interest appearing
in the “Money Rates” section of The Wall Street Journal published on the 20th day of the month
preceding the first day of each billing cycle or, if The Wall Street Journal is not published on
such date, the next day on which such Prime Rate is published. A change in the index will
result in a change to your variable APRs. For example, if your margin for purchases, which is
based on your creditworthiness, is 10% and the value of the index (the Prime Rate) is 8.50%,
your APR for purchases would be 18.50%. If the value of the index later increases from 8.50%
to 8.75%, your APR for purchases would increase to 18.75%. The variable APRs disclosed
above are accurate within 30 days prior to the date these disclosures are provided to you.
Allocation of Payments: Allocation of your payments will be at our discretion, and generally
that means that we will apply payments to balances with lower APRs before balances with
higher APRs. However, any payment you make in excess of the minimum payment due will be
allocated to balances with higher APRs before balances with lower APRs.
CHANGES TO YOUR CREDIT CARD ACCOUNT: The terms of your credit card account, including
APRs and fees, are subject to change at any time and for any reason permitted by applicable
law and the credit card agreement that will be sent with your credit card. We will notify you of
any change if required by applicable law. Changes to your APR may include changing your APR
from non-variable to variable, from variable to non-variable, or to a higher APR.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities,
Federal law requires all financial institutions to obtain, verify, and record information that
identifies each borrower who opens an account.
What this means for you: When you open an account, we will ask for your name, address,
date of birth, and other information that will allow us to identify you. We may also ask to see
your driver’s license or other identifying documents.
Additional Terms and Conditions that Apply to your Application and Credit Card Account
In this application, the terms “you” or “your” mean the applicant for credit.
You are applying to obtain credit from PNC Bank, National Association (N.A.) (“we,” “our,”
or “us”). You understand that we are not obligated to grant you credit, and may retain your
application whether or not credit is granted.
You certify that all information in, and with respect to, your application is accurate and
complete, that you are of legal age to enter into contracts in the state in which you reside
and that no bankruptcy proceeding is in progress or anticipated that involves you. You also
represent that you have not submitted, nor will submit, any application for credit to another
lender prior to our consideration of your application.
You agree that we may request consumer credit reports about you for evaluating your
application and in the future for reviewing your credit card account credit limits, for credit card
account renewal, for servicing and collection purposes, and for other legitimate purposes
associated with your credit card account.
You also agree that we may verify, with other creditors, credit reporting agencies, employers,
and other third parties, including through records maintained by federal and state agencies
(including any state motor vehicle department), your employment, income, address and
all other information that you have provided. You waive any rights of confidentiality under
applicable law that you may have in that information.
If your application is approved, a credit card will be issued to you. We also will send you a credit
card agreement at that time.
Your credit card agreement is governed by (i) federal laws and regulations and (ii) the laws of
Delaware to the extent Delaware laws are not preempted by federal laws or regulations and
without regard to conflict of law principles.
If you do not like the terms of the credit card agreement sent to you with your credit card, you
can rescind your credit card agreement by not using your credit card account and contacting
us at 1-800-558-8472. If you use the credit card account, you agree to the terms and conditions
of the credit card agreement and you will be liable for all amounts owing on your credit card
account.
Balance Transfer Instructions:
1. Fill out the balance transfer request form completely. The request form must include the
exact amount of each transfer (not “all” or “in full”). Balance transfer requests that are
incomplete or illegible will not be processed. The payment and transfer of balances is
subject to approval by us and we may, in our sole discretion, deny a balance transfer request.
2. You may not transfer a balance that is less than $200. The amount of your balance
transfer(s), plus any applicable fees, cannot exceed your credit limit and your available
credit limit will be reduced by the total amount of each balance transfer plus any applicable
fees. When determining whether the amount of the balance transfer you are requesting
would cause you to exceed your credit limit at the time your request is made, we consider
the amount of interest that will accrue on your account during the first billing cycle as a
result of the balance transfer. Balance transfer requests to individuals or for cash will not
be processed. There is no grace period for balance transfers. If you transfer a balance and
also make purchases, if you do not pay your entire balance in full at the end of the first billing
cycle you may lose your grace period for new purchases. Balance transfers do not earn
rewards. Recently disputed charges should not be included in balance transfer requests. By
transferring amounts in dispute, your billing rights may be forfeited.
3. In order to allow time for you to receive your credit card agreement and other important
information, including disclosure of the rates and fees that apply to your account, we will not
begin to process your balance transfer, or post the balance transfer to your account, until at
least 13 days following account opening. Any interest on your balance transfer begins on the
day the balance transfer is posted to your PNC Bank credit card account. If, after you receive
your credit card agreement, disclosures and other important account information sent with
your credit card, you decide you do not want us to process your balance transfer request,
you may cancel the balance transfer by calling us at 1-800-558-8472, 24 hours a day, 7 days
a week, within 13 days following account opening. Continue to make at least your minimum
monthly payments on the accounts from which you are transferring balances until you verify
that the balance transfers are completed. You are responsible for any amounts remaining
unpaid on those accounts and must notify each creditor of each account you wish to close.
4. Balance transfers from any other account with us or any of our affiliates will not be accepted.
5. All balance transfers are subject to the terms and conditions set out in this offer and in your
credit card agreement.
DISPUTE RESOLUTION THROUGH ARBITRATION:
Your credit card agreement will include an arbitration provision. This means that if you have a
claim and we are unable to resolve it informally, you or we may elect to resolve it by individual
binding arbitration. If a claim is arbitrated, it will not be heard by a court or a jury. Also,
the claim will proceed as an individual action, and neither you nor we will have the right to
participate in a class action in court. You have the right to opt out of the arbitration process by
providing timely notice to us. Please refer to the Arbitration Provision located in section 9 of
your credit card agreement for complete details.
JURY TRIAL WAIVER NOTICE:
Your credit card agreement contains a Jury Trial Waiver that applies to any dispute that is
not arbitrated. Under the Jury Trial Waiver, you and we agree to waive any right to trial by
jury in the event of litigation between us. This is only a summary of some of the features of
the Jury Trial Waiver. Please be sure to read the entire credit card agreement carefully.
Important information about phone calls, texts, prerecorded and email messages:
If, at any time, you provide to PNC, its affiliates or designees contact numbers that are wireless
telephone number(s) including, but not limited to, cell or VoIP numbers, you are consenting
to PNC, its affiliates and designees using an automated dialing system to call or text you or to
send prerecorded messages to you in order to service, and collect on, any personal account(s)
and business account(s) (for which you are an authorized signer or designated contact person)
with PNC and/or its affiliates, but not to market to you. For any type of phone call with PNC,
its affiliates or designees, you consent that the call may be monitored or recorded by us for
quality control and training purposes. By providing your email address, you consent to receive
electronic mail from PNC, its affiliates and designees.
NOTICES: THE FOLLOWING NOTICES ARE GIVEN BY US ONLY TO THE EXTENT NOT
INCONSISTENT WITH 12 U.S.C. SECTION 85 AND APPLICABLE FEDERAL REGULATIONS AND
OPINIONS (WITH RESPECT TO WHICH WE EXPRESSLY RESERVE ALL RIGHTS).
Notice to California Residents: An applicant, if married, may apply for a separate account.
Notice to New York Residents: You may contact the New York State Department of Financial
Services at 800-342-3736 to obtain a comparative listing of all credit card rates, fees and
grace periods.
Notice to New York Residents: A consumer report may be requested in connection with
this application. Upon your request, you will be informed whether or not a consumer report
was requested, and if such report was requested, informed of the name and address of the
consumer reporting agency that furnished the report. Subsequent consumer reports may
be requested or utilized in connection with an update, renewal or extension of the credit for
which application was made.
Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors
make credit equally available to all creditworthy customers and that credit reporting
agencies maintain separate credit histories on each individual upon request. The Ohio Civil
Rights Commission administers compliance with this law.
Notice to Rhode Island Residents: A credit report may be requested in connection with this
application.
Notice to Utah Residents: You are hereby notified that a negative credit report reflecting on
your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms
of your credit obligations.
Notice to Vermont Residents: You authorize PNC Bank, National Association to obtain credit
reports about you now and in the future for all legitimate purposes associated with this offer
or the account including, but not limited to: (a) evaluating the application, and (b) renewing,
reviewing, modifying, and taking collection action on your account.
Notice to Married Wisconsin Residents: Submission of this application confirms that this
loan obligation is being incurred in the interest of your marriage or family. No provision of a
marital property agreement, a unilateral statement under Section 766.59 of the Wisconsin
Statutes or a court decree under Section 766.70 of the Wisconsin Statutes adversely
affects the interest of a creditor unless the creditor, prior to the time the credit is granted,
is furnished a copy of the agreement, statement or decree or has actual knowledge of
the adverse provision when the obligation to the creditor is incurred. If the loan for which
you are applying is granted, your spouse will receive notification that the credit has been
extended to you.
IMPORTANT INFORMATION ABOUT THE PNC CASH UNLIMITED® REWARD PROGRAM FOR
THE PNC CASH UNLIMITED® VISA SIGNATURE® CREDIT CARD
The following is a summary of the current reward program for the PNC Cash Unlimited credit
card. Full reward program terms and conditions will be sent with your credit card and are
available on pnc.com/creditcards. We may change or terminate this reward program at any
time and for any reason.
Earning Rewards
After we enroll your Account in the program, you will earn Cash Back for Purchases. The Cash
Back amount earned for a Purchase is calculated by multiplying a Purchase by two percent We
use Points to track your Cash Back. Each cent ($.01) that you earn in Cash Back equals one
(1) Point, and your Points balance, including earned and redeemed Points, will be reflected in
your PNC Cash Unlimited Account in PNC Online Banking and on each Account statement we
provide to you when your Account is open. You use only your Points to redeem for Rewards,
including redeeming for Cash Back.
Redemption: You can redeem your Points for monetary credits to your PNC Cash Unlimited
credit card account or other qualifying PNC Bank account, gift cards, or travel-related services.
Upon closure of your Account either by you or by us, any Points and/or Cash Back that you have
earned but not redeemed is immediately and automatically forfeited. You may also forfeit any
Points you have earned under this offer if we determine, in our sole discretion, that you have
engaged, or intend to engage, in abuse, misuse, or gaming in connection with this offer in any
way. This may include, without limitation and without prior notice, any or all of the following
(1) disqualifying you from the offer; (2) reversal of any rewards awarded under this offer;
(3) closing or suspending your account; or (4) taking legal action against you to recover any
monetary losses, including attorneys’ fees and damages.
Terms Used: As used in this description of the PNC Cash Unlimited Program, “Account” is
your PNC Cash Unlimited credit card account. “Cash Back” means the cash back you earn in
the form of a rebate of a percentage of the amount of each Purchase. “Points” is the reward
currency we use to track your Cash Back and that you use to redeem for Rewards. “Purchase”
means a purchase of goods or services made by you or your authorized user using your
account for personal, family or household purposes, minus merchant credits and plus or
minus appropriate purchase adjustments posted to your account. Purchases do not include
(and you will not earn Points/Cash Back for) – (A) interest, annual membership fees, balance
transfers, transactions made at or with a financial institution (such as purchasing gift cards,
money orders or traveler’s checks or making loan payments), cash advance transactions
(including ATM disbursements and automated teller or cash-equivalent item transactions),
convenience checks (regardless of whether any such check is a cash advance and subject to
the cash advance rate or has been issued subject to the terms of a special offer that includes
a promotional rate and/or fee), insurance premiums for insurance products obtained through
us or our affiliates, debt cancellation fees, late fees, overlimit fees and other fees and charges
assessed on your account or (B) purchases made at merchants with gambling or gaming
merchant category codes. “Rewards” are items, including a monetary credit to your PNC Cash
Unlimited Account or qualifying PNC Bank account, gift cards or travel-related services, for
which you redeem your Points.
Visa and Visa Signature are registered trademarks of Visa International Service Association and used under license.
PNC Cash Unlimited is a registered mark of The PNC Financial Services Group, Inc.
PNC Bank, National Association (N.A.) is the creditor and issuer of the credit card described herein.
© 2024 The PNC Financial Services Group, Inc. All rights reserved. PNC Bank, National Association. Member FDIC 08/24
