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PNC Cash Unlimited

Pnc Bank, National Association

Top-25 issuerNationalVariable · PrimeCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
18.49–29.24%
Annual fee
None
0% intro
None
0% transfer
15 mo
Foreign fee
None
Grace period
21 days

Contract X-Ray — what's buried in the fine print

5 red flags · 20 filed docs

Detected in the CFPB-filed cardholder agreements from PNC Bank N.A.. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.

Forced arbitration

You give up your right to sue in court — disputes are pushed into private arbitration.

Show the exact wording ↓
“…other creditors, credit reporting agencies, employers and other third parties, including through records maintained by federal and state agencies. 9 ARBITRATION PROVISION NOTE: If we have determined that you are a covered borrower, as that term is defined under the Military Lending Act regulation, 32 CFR Part 232 (mean…”
42061_pnc_agreement_SECURED_cc_k10556 (1)_R ↗
“…other creditors, credit reporting agencies, employers, and other third parties, including through records maintained by federal and state agencies. 9 ARBITRATION PROVISION NOTE: If we have determined that you are a covered borrower, as that term is defined under the Military Lending Act regulation, 32 CFR Part 232 (mean…”
42061_pnc_agreement_STANDARD_cc_k10554 (2)_R ↗
“…h arbitration If you have a claim and we are unable to resolve it informally, you or we may elect to Penalty APR. Failing to resolve it by individual binding arbitration in accordance with the terms of the Arbitration pay on time can result in a Provision of your credit card agreement. If a claim is arbitrated, it wil…”
Agreement-Cash-Unlimited-Credit-Card-6.75 ↗
Class-action waiver

You can't band together with other cardholders in a class action.

Show the exact wording ↓
“…LVED. Under the terms of this Arbitration Provision, and except as set forth below, Claims (as defined below) will be resolved by individual (and not class-wide) binding arbitration in accordance with the terms specified herein, if you or we elect it. 9.1 Your right to opt out; effect of arbitration YOUR RIGHT TO OPT OUT; EFFECT…”
42061_pnc_agreement_SECURED_cc_k10556 (1)_R ↗
“…erring your Account........................................4 9.2 Definitions ...................................................................4 9.4 Class Action Waiver ...................................................5 8.5 Security interest .........................................................4 9.3 Arbitration…”
Agreement-Cash-Unlimited-Credit-Card-6.75 ↗
“…LVED. Under the terms of this Arbitration Provision, and except as set forth below, Claims (as defined below) will be resolved by individual (and not class-wide) binding arbitration in accordance with the terms specified herein, if you or we elect it. 9.1 Your right to Opt Out; Effect of Arbitration YOUR RIGHT TO OPT OUT; EFFECT…”
Agreement-Secured-Credit-Card CLEAN version ↗
Jury-trial waiver

You waive your right to have a dispute heard by a jury.

Show the exact wording ↓
“…pay your obligations to us. We have no other security interest for the Account, even though other agreements we have with you may say that we do. 8.6 Jury trial waiver NOTE: If we have determined that you are a covered borrower, as that term is defined under the Military Lending Act regulation, 32 CFR Part 232 (me…”
42061_pnc_agreement_SECURED_cc_k10556 (1)_R ↗
“…ecurity interest in any of your property. We have no security interest for the Account, even if other agreements we have with you say that we do. 8.6 Jury trial waiver NOTE: If we have determined that you are a covered borrower, as that term is defined under the Military Lending Act regulation, 32 CFR Part 232 (me…”
42061_pnc_agreement_STANDARD_cc_k10554 (2)_R ↗
“…may not apply to you. For details, please see section 9 of your credit card agreement. may be declined. close to, or have reached, your credit limit. Jury trial waiver notice Try to pay off your Generally, the more you pay toward your balance each For any dispute that is not arbitrated: Your credit card agreement…”
Agreement-Cash-Unlimited-Credit-Card-6.75 ↗
Change-anytime clause

The issuer reserves the right to change your rates, fees and terms at any time.

Show the exact wording ↓
“…count and to provide you with a new Account number and a new Card or Cards. 8 OTHER TERMS THAT APPLY TO YOUR ACCOUNT 8.1 Changes to this Agreement We may change this Agreement from time to time and for any reason, except as prohibited by applicable law. We may change fees, the annual percentage rates, whether the annual percentage rates are fixed or variable a…”
42061_pnc_agreement_SECURED_cc_k10556 (1)_R ↗
“…count and to provide you with a new Account number and a new Card or Cards. 8 OTHER TERMS THAT APPLY TO YOUR ACCOUNT 8.1 Changes to this Agreement We may change this Agreement from time to time and for any reason, except as prohibited by applicable law. We may change fees, the annual percentage rates, whether the annual percentage rates are fixed or variable,…”
42061_pnc_agreement_STANDARD_cc_k10554 (2)_R ↗
“…Definitions 8.1 Changes to this Agreement communication, and/or by fax, in accordance with We, Us and Our. Solely as used in this Arbitration We may change this Agreement from time to time and applicable law; and Provision, the terms we, us and our also refer to (1) our for any reason, except as prohibited by applicable law. We using third parties to contact you by phone, email, other employees, officers, directors, parents, contro…”
Agreement-Cash-Unlimited-Credit-Card-6.75 ↗
Penalty APR

Slip up and your rate can jump to a much higher penalty APR.

Jumps to ~25.74%
Show the exact wording ↓
“…me rate (index). In some instances, the consumer s credit card agreement provided for a non-variable APR for some of the features of the account. The Penalty APR may be applied to the consumer s account if the consumer makes a late payment. If the APRs on an account are increased for this reason, the Penalty A…”
42061_pnc_agreement_SECURED_cc_k10556 (1)_R ↗
“…Rate Information: Annual Percentage Rates ( APRs ) below with a (V) vary (increase or decrease) with the market based on the prime rate (index). The Penalty APR may be applied to the consumer s account if the consumer makes a late payment. If the APRs on an account are increased for this reason, the Penalty A…”
Agreement-Cash-Unlimited-Credit-Card-6.75 ↗
“…e rate (index). In some instances, the consumer s credit card agreement provided for a non -variable APR for some of the features of the account. The Penalty APR may be applied to the consumer s account if the consumer makes a late payment. If the APRs on an account are increased for this reason, the Penalty A…”
Agreement-Secured-Credit-Card final 1_30 ↗
Arbitration opt-out

The contract lets you reject arbitration (usually within a short deadline) and keep your right to sue.

Show the exact wording ↓
“…solved by individual (and not class-wide) binding arbitration in accordance with the terms specified herein, if you or we elect it. 9.1 Your right to opt out; effect of arbitration YOUR RIGHT TO OPT OUT; EFFECT OF ARBITRATION. This Arbitration Provision will apply unless you opt out by providing proper and timely notice descr…”
42061_pnc_agreement_SECURED_cc_k10556 (1)_R ↗
“…...................................................................5 8.3 No waiver of rights/Oral agreements .....................4 9.1 Your Right to Opt Out; Effect of Arbitration ............4 9.3.7 Effect of arbitration award; appeal............5 8.4 Transferring your Account........................................4 9.2 De…”
Agreement-Cash-Unlimited-Credit-Card-6.75 ↗
“…solved by individual (and not class-wide) binding arbitration in accordance with the terms specified herein, if you or we elect it. 9.1 Your right to Opt Out; Effect of Arbitration YOUR RIGHT TO OPT OUT; EFFECT OF ARBITRATION. This Arbitration Provision will apply unless you opt out by providing proper and timely notice descr…”
Agreement-Secured-Credit-Card CLEAN version ↗

Checked & clear: Deferred interest

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
26.74%
≤619
—
620–719
28.99%
720+
23.24%
Lowest offered18.49%
Median25.24%
Highest offered29.24%

Balance transfer APR

Promotional window: 15 months

The transfer rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered0%
Median0%
Highest offered0%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered28.74%
Median29.24%
Highest offered29.24%

Every fee on this card

Annual feeNone
Balance transfer fee5% (min $5)
Cash advance fee5% (min $10)
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$27
Repeat late fee (6 mo)$38
Over-limit feeNone
Minimum finance charge$1.50
Balance computationAverage daily balance including new purchases
Additional fees
Return Payment Fee$38
Stop Payment$35

Rewards, benefits and features

Rewards
  • Cashback rewards
  • Travel-related rewards
  • Other rewards
Services
  • Access to Free Credit Scores
  • Automobile rental insurance
  • Discounts on purchases of goods and services (non travel related)
  • Extension on manufacturer’s warranty
  • Other
Features
  • Contactless Payments
  • Chip card
  • Fee-free foreign transactions
  • Mobile wallet provisioning (for example, Apple Pay)

Issuer note: Purchase Payback Rewards

Who can get this card

AvailabilityNational
Membership requirementsOpen to the public
Phone1-800-762-2265
Balance transfer calculator
Stay put — 15 mo at 24%$750
Transfer fee (5%)$250
Promo interest at 0.00%$0
You save$500

Assumes you pay the balance down evenly across the 15-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 25.24% afterwards.

Cost to carry a balance
Interest for a year at 25.24%$757.20
Annual / periodic fees$0
Total yearly cost$757.20

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 21-day grace period avoids the interest entirely.

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