I have the PNC Cash Rewards card that I just got in October 2017. It was the second "real" card that I apped for after Discover It because I already had a bank account with them and figured it'd be easier to get. I picked this one because I thought that it had pretty good cash back rewards, but now 4 months later, it's my lowest limit card with the least cash rewards that benefit me.
It has 4% on gas, but now I have the NRA Visa which gets 5%.
It has 3% on restaurants, but now I have the Cash+ for 5% on fast food so only sit down restaurants will do better with this card. I picked the 2% category on Cash+ for restaurants anyway, so now the PNC card only gives me 1% better in that category.
It has 2% on groceries, but I have a BCP which gets 6%.
Looking at their product line up, the points card looks like it's pretty bad. It gets 4 points per $1 spend which sounded great until I looked at redemption and a $100 Amazon gift card was like 44,000 points! So it's essentially a 1% card. They have a travel card with an $85 annual fee, but I don't travel much at all and don't want to pay the fee. Is that it? I thought they had more cards in the line up, but I can't find any.
I guess I may just have to use it for the occasional dine in restaurants, but it'll take awhile to hit the minimum $25 cash out since I just redeemed my cash balance a couple weeks ago! I was hoping that they had a more useful card that I could change to. I almost think I should just use the Cash+ at all food places and take the 1% less when it applies since at least I'd be able to redeem it more often.
Does anyone like the PNC points card? I didn't look at the points website for long, but the points didn't seem to have much value.