PNC Cash Unlimited

A flat 2% back on everything with no annual fee and no foreign transaction fee is a straightforward proposition, and PNC Cash Unlimited delivers it without caps, categories or activations to track. It is a legitimate everyday default, and the 15 months of 0% intro APR on balance transfers make it useful if you are also clearing a balance. PNC adds more protection than most 2% cards bother with: cell phone coverage of up to $800 per claim when you pay your bill with the card, purchase security on items stolen or damaged within 90 days, and Visa Signature concierge access. What is missing is an opening bonus, which most competing flat-rate cards offer and which is often worth a couple hundred dollars in year one. The regular APR of 18.49% to 28.49% is standard, so the card only pays off if you clear the balance each month.