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Atomic (@guest_1738239)
November 16, 2023 17:52

 Chuck The double cash back offer cannot be stacked with the $200 signup bonus. I know the double cash back offer has already expired, but I just confirmed this with the banker I originally spoke to after having just received my card the other day.

Indie (@guest_1747638)
November 29, 2023 11:10

Thank you so much for confirming this point.

Atomic (@guest_1719608)
October 20, 2023 14:30

Just called a local branch here in TX, and the rep said that this offer is active at all PNC branches (This branch used to be a BBVA before the acquistion.), so I’m guessing the state list in the post is just a carryover list from where there only used to be PNC branches. Rep also confirmed that I could apply over the phone if I wished.

CC: Chritom

Chritom (@guest_1719617)
October 20, 2023 14:39

Thanks so much!

Atomic (@guest_1729063)
November 2, 2023 22:15

Applied over the phone and approved with a $10k limit. 4/24 before application. Pulled only EX, 822 FICO 8 according to Experian’s website. 0/3, 1/6, 1/12 on hard inquiries.

Atomic (@guest_1736675)
November 14, 2023 12:15

PNC sent me a physical letter of the report and score they pulled. It was Experian, but the score on the letter was 810.

Chritom (@guest_1701332)
September 24, 2023 14:15

I might be blind, but can you point to where it’s indicating it’s restricted to the states mentioned in this post? I live in Texas and there are plenty of PNCs around here after they did their takeover of BBVA.

The Old Goat
The Old Goat (@guest_1700358)
September 22, 2023 18:50

“Double cash posts at end of first year”. That’s a deal breaker for me, in these inflationary times. What will your cash be worth in another year? Almost the same as the Costco card; spend all year, get your refund next Feb. I’ll take my US Bank card, which gives me cash immediately. no waiting.

Smirky Cat
Smirky Cat (@guest_1699768)
September 22, 2023 00:52

Does anyone know if PNC publishes its MCC category list? I would like to confirm if it considers 5541 as a gas station.

Smirky Cat
Smirky Cat (@guest_1700019)
September 22, 2023 11:44

I am confused between this card and Ink Cash. I have an upcoming expenditure where I need to spend about 10k on gas-related purchases over the next 4-5 months. Doing simple math on the two cards (please correct me), PNC, with this offer, is expected to return 200+320+320+20=860, whereas, for INK, it’s 90k+100. Which one should I go for? I already have Ink Unltd. though, and I am at 3/24 considering Chase. Are there any other ways to maximize one or the other returns?

glenn (@guest_1700051)
September 22, 2023 12:28

you should do both, depending on how long that would keep you at 5/24, but that assumes you’ve already considered other cards out there with overall higher signup bonuses that you could be putting that $10k towards, including business ones

David (@guest_1700053)
September 22, 2023 12:30

Ink Cash is vastly superior if it’s available to you. Gas is 2x on CIC, so your bonus is actually 90k+20k of UR, which are much more valuable than cash. Even if you just cash out at 1cpp, that is $1,100, but you can trivially get 1.25-1.5cpp and can get more than that. Also, CIC keeps you at your current x/24 for the next Ink card.

Smirky Cat
Smirky Cat (@guest_1700126)
September 22, 2023 13:43

Thanks, Glenn and David. I am 740 at 20% utilization. For Chase, it’s 45% on personal and 100% on Ink Unltd. (All are bank transfers at 0%). Do you think I have any chance of CIC getting approved? In fact any of the two cards? lol

Smirky Cat
Smirky Cat (@guest_1702028)
September 25, 2023 13:03

So, I went ahead and applied for CIC and got approved. However, they gave me a low limit, which is understandable given my current credit report.

Lakers (@guest_1699710)
September 21, 2023 22:49

Live in So Cali and there’s only one branch in LA county. It’s at least 60 miles round trip from my house. Was told I must go in branch and cannot apply by phone.

Kyle (@guest_1699389)
September 21, 2023 16:12

Thanks Chuck, just fyi should maybe add that the $1,000 spend has to be in first three billing cycles.

Duke I.
Duke I. (@guest_1699513)
September 21, 2023 18:29

With my 13 year old card reader account I satisfy all these deals within the first 3 minutes after activation.

docfin (@guest_1699600)
September 21, 2023 20:10

Duke I.
What is a “card reader account”? How does it allow you to meet the spending requirements “3 minutes after activation”m

Josh (@guest_1699370)
September 21, 2023 16:00

Made an appointment for next week in branch. Going to try both the Virtual Wallet checking bonus and this. Been denied online for the virtual wallet twice this year, so this CC offer gives me a reason to now try in branch.

Apple Regards
Apple Regards (@guest_1699348)
September 21, 2023 15:35


Duke I.
Duke I. (@guest_1699339)
September 21, 2023 15:28

Applied went to manual review and got the message a decision will be sent via email. Checked email few minutes later and was approved.

fearthez (@guest_1699359)
September 21, 2023 15:50

What’s your recent applications looking like?

Duke I.
Duke I. (@guest_1699511)
September 21, 2023 18:24

7 apps. Approved for everything