
PNC not too long ago launched its new relationship program referred to as TotalRewards. By protecting completely different quantities of property with PNC, you possibly can unlock varied perks. Essentially the most notable profit is a lift in your bank card cashback earnings. This program is similar to the well-known Financial institution of America Most popular Rewards program.
Tiers and Advantages
PNC TotalRewards has the next tiers, together with their asset necessities and cashback bonuses:
- Base (no tier)
- Silver: $25k+ property, 5% cashback enhance
- Gold: $100k+ property, 25% cashback enhance
- Platinum: $500k+ property, 35% cashback enhance
| Default | Silver | Gold | Platinum | |
|---|---|---|---|---|
| Asset Requirement | $0+ | $25k+ | $100k+ | $500k+ |
| Cashback Enhance | 0 | 5% | 25% | 35% |
Amongst these, the candy spot is clearly the Gold tier. The requirement is far decrease than Platinum at simply $100k, whereas the 25% enhance is already fairly engaging.
What Property Rely
Eligible property embrace balances throughout PNC accounts reminiscent of checking, financial savings, and brokerage. As traditional with these applications, it’s particularly interesting that brokerage property depend—you possibly can merely park one thing like VOO there. Since it’s important to maintain these investments someplace anyway, this successfully comes at near-zero alternative price.
PNC Checking Requirement
Along with assembly the asset threshold, you have to additionally preserve an lively PNC checking account. Should you don’t have already got one, it’s price opening one and stacking it with a checking account bonus alongside the way in which.
Greatest PNC Credit score Playing cards
Listed below are essentially the most related PNC playing cards that profit from this program:

PNC Money Limitless — 2% All over the place Card ($0 AF)
This card is initially a simple 2% cashback card on all purchases with no annual charge. However when you issue within the rewards enhance, it turns into extraordinarily highly effective:
- With Gold (25% enhance): 2.5% cashback in every single place
- With Platinum (35% enhance): 2.7% cashback in every single place
At 2.7%, this turns into one of many strongest no-category cashback playing cards in the marketplace. It beats Financial institution of AmericaLimitless Money Rewards (2.625% with Most popular Rewards), although nonetheless barely beneath Robinhood Gold Card’s 3% (which has exclusions).

PNC Money Rewards — 4% Gasoline Card ($0 AF)
This card earns 4% cashback on fuel (as much as $8,000 per yr). With the enhance:
- Gold: 5% on fuel
- Platinum: 5.4% on fuel
That makes it one of many highest-earning fuel playing cards out there.
Abstract
PNC TotalRewards presents significant worth in case you can meet the asset necessities:
- Gold ($100k+): 25% enhance
- Platinum ($500k+): 35% enhance
Mixed with PNC’s stable 2% flat-rate card, you’re successfully taking a look at 2.5%–2.7% cashback on all purchases, which is top-tier within the present market. When you have idle property that may be moved, that is undoubtedly a program price contemplating.

