PNC BankCash UnlimitedRegistry illustration · issuer artwork unavailable

Cash UnlimitedPNC Bank · N bank, AL · FDIC 6384

CurrentLast observed Sep 6, 2026Source date Dec 31, 2025Government datasetCredit card · Consumer · unsecuredFiled as “PNC Cash Unlimited”

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Purchase APR

18.49%–29.24%

great to no score

Balance transfer

0% introductory · reported median duration 15 mo

no ongoing rate filed

Cash advance APR

28.74%–29.24%

variable

Annual fee

p.1none

Foreign fee

Grace period

21 days

from cycle close

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchasesintroductory rate first
Introductory	NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Great credit	median 23.24%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Good credit	median 28.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
No credit score	median 26.74%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
All applicants	18.49%–29.24% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
APR for balance transfersintroductory rate first	0% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
APR for cash advances	28.74%–29.24% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	21 days from the close of each billing cycle	—	—
Minimum interest charge	$1.50	—	—
How we calculate your balance	Average daily balance including new purchases	—	—
Annual fee	$0PNC Bank, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“$0”PNC Bank, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Transaction fees
Cash advance	5% of the amount, minimum $10Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Balance transfer	5% of the amount, minimum $5Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Foreign transaction	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Penalty fees
First late fee	$27Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Repeat late fee within six billing cycles	$38Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Returned payment	—	no source read
Other fees
Return Payment Fee	$38, Customer makes a payment that is returned - charge up to $38Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Stop Payment	$35, Charged when a customer asks PNC Bank to stop payment on a convenience check or balance transfer, or when the customer renews a stop payment orderConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Over limit	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Purchase transaction	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Balance transfer terms	NoConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website

Agreement-Cash-Unlimited-Credit-Cardpage 1 of 7

Pricing Information Addendum for PNC Bank Consumer Credit Card Agreement

A Note About the Attached Consumer Credit Card Agreement : The attached consumer credit card agreement was the standard agreement used for PNC Cash Unlimited consumer credit card accounts as of the last business day of the preceding calendar quarter. This agreement may have changed or may no longer be in use after that date. The information in this Pricing Information Addendum is a summary of all pricing information that was available for new accounts subject to this agreement as of the last business day of the preceding calendar quarter. Certain provisions of the attached agreement vary from one consumer to the next to reflect the specific pricing information for a given consumer credit card account.

Summary of Interest 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 APR will apply until the consumer makes six consecutive minimum payments by the applicable due date.

Feature · Margin · Daily Periodic Rate of Interest · Corresponding APR Purchases and Balance Transfers · Ranging from 11.74% to 21.74% · Ranging from 0.0 5 13 4 % to 0.0 7873 %(V) · Ranging from 1 8 . 7 4 %to 2 8 . 7 4 %(V) Cash Advances · 21.74% · 0.0 7873 %(V) · 2 8 . 7 4 %(V) Penalty APR · 25.74% · 0.0 8969 %(V) · 3 2 . 7 4 %(V)

Minimum Interest Charge: $1.50

Summary Of Fee Information:

Fee · Fee Amount Annual Fee · $0 Balance Transfer · The greater of $5; or ranging from 4% to 5% of the amount of the balance transfer Cash Advance · Either $10 or 5% of the amount of each cash advance, whichever is greater Foreign Transaction · $0 Late Payment · Up to $ 3 8 Returned Payment · Up to $38

Paying Interest (grace period) : The due date on an account is at least 21 days after the close of each billing cycle. No interest is charged on new purchases appearing on the consumer's current statement if the consumer paid in full the 'New Balance' shown on the consumer's previous statement and the payment was received by that due date. We begin charging interest on cash advances and balance transfers on the transaction date.

Balance Computation Method : The method used to calculate the balances subject to interest on a consumer's account is called the 'average daily balance (including new purchases).' Here are the details about this calculation method for purchases, balance transfers and cash advances:

How we calculate the balance on purchases (including balance transfers) : (1) We start with the unpaid amount of purchases for the current billing cycle, which may include unpaid interest and fees from previous billing cycles. (2) Each day we subtract any payments or credits that apply to purchases. We add any new purchases, any new fees that apply to purchases, and any interest on the previous day's purchase balance if you have not paid in full the New Balance on your previous statement by the due date. This gives us the daily balance of purchases. (3) Then we add up all the daily balances of purchases for the billing cycle and divide by the total number of days in the billing cycle. This gives us the 'average daily balance of purchases' for the current billing cycle. (Although balance transfers are calculated as part of the average daily balances (including new purchases), there is no grace period for balance transfers).

How we calculate the balance on cash advances : (1) We start with the unpaid amount of cash advances, which may include unpaid interest and fees from previous billing cycles. (2) Each day we subtract any payments or credits that apply to cash advances. Then we add any new cash advances, any new fees that apply to cash advances, and any interest on the previous day's cash advance balance. This gives us the daily balance of new cash advances. (3) Then we add up all the daily balances of cash advances for the billing cycle and divide by the number of days in the billing cycle. This gives us the 'average daily balance of cash advances.

1 2 3 4 5 6 7Pages 1 and 2 are cited

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

PNC Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“$0”
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PNC Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“$0”
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PNC Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“$0”
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PNC Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Minimum Interest Charge: $1.50”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
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PNC Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 2
“Generally, the more you pay toward your balance each month, the less interest you’ll pay and the faster you’ll pay off your balance. And if you pay your entire balance —not just your purchases —infull each month, you’ll avoid paying interest on new purchases. This is called your “grace period” for new purchases. Remember though —there is no grace period for cash advances or balance transfers. For…”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
PNC Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Minimum Interest Charge: $1.50”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
PNC Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 2
“Generally, the more you pay toward your balance each month, the less interest you’ll pay and the faster you’ll pay off your balance. And if you pay your entire balance —not just your purchases —infull each month, you’ll avoid paying interest on new purchases. This is called your “grace period” for new purchases. Remember though —there is no grace period for cash advances or balance transfers. For…”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
PNC Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Minimum Interest Charge: $1.50”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
PNC Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 2
“Generally, the more you pay toward your balance each month, the less interest you’ll pay and the faster you’ll pay off your balance. And if you pay your entire balance —not just your purchases —infull each month, you’ll avoid paying interest on new purchases. This is called your “grace period” for new purchases. Remember though —there is no grace period for cash advances or balance transfers. For…”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗

CFPB survey — historical cohort statistics

Reported medians describe observed cohorts at the survey date; they are not contractual APR ranges.

Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:pnc-bank-national-association:pnc-cash-unlimited
Fields: Balance Transfer Offered?, Median Length of Balance Transfer APR, Purchase APR Index, Transfer APR max, Transfer APR median, Transfer APR min, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:pnc-bank-national-association:pnc-cash-unlimited
Fields: Advance APR max, Advance APR median, Advance APR min, Cash Advance APR Offered?, Purchase APR Index, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:pnc-bank-national-association:pnc-cash-unlimited
Fields: Introductory APR Offered?
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:pnc-bank-national-association:pnc-cash-unlimited
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR max, Purchase APR median, Purchase APR min, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:pnc-bank-national-association:pnc-cash-unlimited
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR good, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:pnc-bank-national-association:pnc-cash-unlimited
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR great, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:pnc-bank-national-association:pnc-cash-unlimited
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR no score, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:pnc-bank-national-association:pnc-cash-unlimited
Fields: Balance Transfer Fee ($), Balance Transfer Fee (%), Balance Transfer Fee Calculation, Balance Transfer Fee Types, Balance Transfer Fees?, Minimum Balance Transfer Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:pnc-bank-national-association:pnc-cash-unlimited
Fields: Cash Advance Fee ($), Cash Advance Fee (%), Cash Advance Fee Calculation, Cash Advance Fee Types, Cash Advance Fees?, Minimum Cash Advance Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:pnc-bank-national-association:pnc-cash-unlimited
Fields: Foreign Transaction Fee ($), Foreign Transaction Fee (%), Foreign Transaction Fee Calculation, Foreign Transaction Fees Types, Foreign Transaction Fees?, Minimum Foreign Transaction Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:pnc-bank-national-association:pnc-cash-unlimited
Fields: Late Fee ($), Late Fee Policy Details, Late Fee Types, Late Fees?
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:pnc-bank-national-association:pnc-cash-unlimited
Fields: Late Fee Six Month Billing Cycle
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:pnc-bank-national-association:pnc-cash-unlimited
Fields: Other Fee Amount, Other Fee Explanation, Other Fee Name
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:pnc-bank-national-association:pnc-cash-unlimited
Fields: Other Fee Amount 2, Other Fee Explanation 2, Other Fee Name 2
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:pnc-bank-national-association:pnc-cash-unlimited
Fields: Over Limit Fee ($), Over Limit Fee Types, Over Limit Fees?, Overlimit Fee Detail
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:pnc-bank-national-association:pnc-cash-unlimited
Fields: Minimum Purchase Transaction Fee Amount, Purchase Transaction Fee ($), Purchase Transaction Fee (%), Purchase Transaction Fee Calculation, Purchase Transaction Fee Type, Purchase Transaction Fees
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:pnc-bank-national-association:pnc-cash-unlimited
Fields: Annual Fee, Balance Computation Method, Balance Computation Method Details, Balance Transfer Grace Period, Card Features, Contact Information Types, Fee Explanation, Fee Varies?, Grace Period, Grace Period Offered?, Institution Name, Issued by Top 25 Institution, Minimum Finance Charge (Dollars), Minimum Finance Charge?, Monthly Fee, Periodic Fee Type, Periodic max, Periodic min, Product Name, Report Date, Requirements for Opening, Secured Card, Targeted Credit Tiers, Telephone Number for Consumers, Website for Consumer, Weekly Fee
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CFPB Good (620–719) and Great (720+) definitions ↗

History

dates on sources or when they were captured

Aug 23, 2026: Annual fee
Dec 31, 2025: Balance transfer APR, Balance transfer fee, Balance transfer terms, Card terms, Cash advance APR, Cash advance fee, Foreign transaction fee, Late payment fee, Other fee, Over limit fee, Purchase APR, Purchase transaction fee

Offered through: PNC Bank
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 6384
Branches: 2,420 in AL, AZ, CA, CO, DC, DE, FL, GA, IL, IN, KS, KY, MA, MD, MI, MO, NC, NJ, NM, NY, OH, PA, SC, TN, TX, VA, WI, WV
Sources: Government dataset · 3 documents · 2 pages cited

Documents

Agreement-Cash-Unlimited-Credit-Cardeffective date not parsed
Agreement-Cash-Unlimited-Credit-Card-6.75effective date not parsed
Pricing Information Addendum for PNC Bank Consumer Credit Card Agreementeffective date not parsed

Cash UnlimitedPNC Bank · N bank, AL · FDIC 6384

Rates and fees