PNC Cash Rewards® Visa® Credit Card vs. Bank of America® Customized Cash Rewards credit card
The Bank of America® Customized Cash Rewards credit card credit card is great for people who want flexibility in their rewards.
The card lets you earn 3% cash back in the category of your choice. 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases. 1% cash back on all other purchases. On top of that, there’s a $0-annual-fee.
This card allows you to earn a higher rate of cash back on groceries and a category of your choice, but only on $2,500 in spending per quarter. After that you will earn 1%.
Unlike the PNC Cash Rewards® Visa® Credit Card, there is no limit to redeeming rewards, but your options for redemption are not diverse: You are limited to statement credits or transfers to eligible Bank of America and Merrill accounts.
PNC Cash Rewards® Visa® Credit Card vs. Citi Double Cash® Card
The Citi Double Cash® Card is a great choice for people who value simplicity and who are less concerned with optimizing their rewards.
The card has a $0-annual-fee and lets you earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
Determining whether this card will get you more cash back than the PNC Cash Rewards® Visa® Credit Card requires some math because of the tiered structure of PNC’s rewards.
PNC Cash Rewards® Visa® Credit Card vs. Chase Freedom Flex℠
The Chase Freedom Flex℠ is one of the most valuable cashback cards. If used in the most optimal way, the card has the potential to earn even better cash back rewards than the PNC Cash Rewards® Visa® Credit Card.
The Chase Freedom Flex℠ offers a $0-annual-fee and lets you earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.
Unfortunately, the Chase Freedom Flex℠ does not offer consistent bonuses for grocery purchases, making the PNC Cash Rewards® Visa® Credit Card a potentially better card for grocery shopping. However, the Chase Freedom Flex℠ card’s 5% bonus on rotating categories can be extremely rewarding for cardholders who can manage to hit the $1,500 spending limit each quarter.
Also note that the Chase Freedom Flex℠ is a Chase Ultimate Rewards® credit card. This means that rewards earned with the card can be transferred to premium travel Ultimate Rewards credit cards like the Chase Sapphire Reserve® or the Chase Sapphire Preferred® Card, and redeemed for travel with a 25% to 50% bonus, or transfer to one of Chase’s travel partners for even better deals on travel.