Rewards Plan
Sign up Bonus
Our Rating
0% Intro
Annual Fee
APR
- Bonus Points
- 0% Intro APR
- Low Cash Value of Point
- Foreign Transaction Fee
Rewards Plan
Sign up Bonus
Our Rating
PROS
- Bonus Points
- 0% Intro APR
CONS
- Low Cash Value of Point
- Foreign Transaction Fee
APR
18.24% - 30.24% Variable
Annual Fee
$0
0% Intro
12 billing cycles for purchases and balance transfer
Credit Requirements
Good - Excellent
- Our Verdict
- FAQ
The PNC points® Visa® Credit Card is a credit card offered by the regional bank PNC. It provides an opportunity to earn rewards points on almost all purchases, with a competitive rewards rate of 4 points per $1 on purchases + 25% / 50% /75% bonus on all base points for PNC customers . These points are redeemable for gift cards, cash, electronics, name-brand merchandise, and travel services.
The card integrates well with PNC online banking and Virtual Wallet, offering an opportunity for bonus points for PNC banking customers. These bonuses range from 25% to 75%, depending on the type of PNC account and the associated balance or direct deposit requirements.
New applicants are eligible for a sign-up bonus of 100,000 bonus points after you make $1,000 in purchases during the first 3 billing cycles following account opening, in addition to 0% intro APR for 12 billing cycles for purchases and balance transfer.
However, the rewards rate isn’t as generous as it seems because the point value isn’t worth much. A balance of 50,000 points from this card will give you $100 cash, but contemporary cards will redeem up to $300-$500 for the same number of points. .
The PNC Points Visa is most suitable for existing PNC banking customers, as they can benefit from bonus points and seamless integration with other PNC banking services. However, for those outside PNC's reach or seeking higher point values, exploring alternative credit cards may be a better option.
How do I redeem my points?
Points can be redeemed for various options, including gift cards, merchandise, Apple purchases, and travel, through the online rewards page.
Can I transfer points to other travel loyalty programs?
No, points cannot be transferred to other travel loyalty programs; they must be used through the PNC Points Redemption Center.
Can I use the points for travel rewards?
Yes, you can redeem points for travel, but bookings must be made through the PNC Points Redemption Center.
What are the bonus point opportunities for PNC banking customers?
PNC banking customers can earn bonus points ranging from 25% to 75%, based on specific account types and associated requirements.
Is there a cell phone protection benefit with this card?
Yes, the card offers cell phone protection if the cardholder pays their wireless bill with the PNC points Visa.
Table of Contents
Pros & Cons
Let’s look at the pros and cons of the PNC points Visa card and see if it’s the right one for your wallet.
Pros | Cons |
---|---|
Welcome Bonus
| Foreign Transaction Fee |
Point Rewards | Points Expiration |
Points Bonuses for PNC Banking Customers | Low Cash Value of Point |
No Annual Fee | Points Cannot Be Transferred |
Redemption Options | Limited Availability |
0% Intro APR |
- Welcome Bonus
You can earn up to 100,000 bonus points after you make $1,000 in purchases during the first 3 billing cycles following account opening.
- Point Rewards
You earn 4 points per $1 on purchases + 25% / 50% /75% bonus on all base points for PNC customers .
- Points Bonuses for PNC Banking Customers
PNC banking customers can benefit from bonus points, ranging from 25% to 75%, based on the type of PNC account and associated balance or direct deposit requirements.
- No Annual Fee
There are no annual fees required to continue using the card, which is an added plus because most credit cards charge yearly fees to recoup costs spent on rewards and bonuses.
- Redemption Options
Cardholders have various redemption choices, including gift cards, merchandise, Apple purchases, and travel, providing flexibility in utilizing earned points.
- 0% Intro APR
There is a 0% introductory APR for 12 billing cycles for purchases and balance transfer, then 18.24% – 30.24% Variable, based on creditworthiness.
This feature may be helpful for clients who want to make significant purchases with enough time to pay back the debt.
- Foreign Transaction Fee
The PNC points® Visa® Credit Card has a few drawbacks like the foreign transaction fee of 3% of the amount in US Dollars, which leads to extra costs for persons who frequently patronize foreign merchants.
- Points Expiration
There is no limit to the number of points you can win; however, they expire at the end of the 48 month after they were added to your PNC points account.
- Low Cash Value of Point
The points earned with the PNC points Visa have a relatively low cash value compared to other rewards cards, impacting the overall value of the rewards program.
This card's balance of 50,000 points is worth $100 in cash.
- Points Cannot Be Transferred
Unlike some other rewards cards, the PNC points Visa does not allow the transfer of points to travel partners, limiting options for utilizing points for travel-related expenses.
- Limited Availability
The card is only available in areas with a physical presence of PNC, restricting access for individuals outside these regions.
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How To Apply For PNC Points Visa Credit Card?
- 1.
Visit the site at pnc.com and click on the ‘Apply Now’ button to get started.
- 2.
Get started by clicking the yes or no option to answer the question. Click ‘continue’ to proceed.
- 3.
Fill the applicant information form by providing personal details such as your name, address, social security number, e-mail, phone number, date of birth, housing details, and employment status.
- 4.
Scroll down to add your co-applicant information (optional), and click ‘Continue' to proceed.
- 5.
Review your details and the terms and conditions. Tick the two boxes to show that you accept the conditions and click ‘ Submit’ to receive their decision concerning your application.
- 6.
Your application is now under review and you will be contacted via mail for the next step.
How It Compared To Other PNC Bank Credit Cards?
The PNC points Visa card is a rewards credit card, but PNC bank offer additional cashback and rewrads cards – let's compare them.
A strong competitor is the new PNC Cash Unlimited Visa Signature® Credit Card, stands out with its straightforward rewards system, offering unlimitedunlimited 2% cash back on every purchase. There are no caps on earnings, no expiration dates for cash back, and no foreign transaction fees.
The old the PNC Cash Rewards® Visa® Credit Card is another competitor if you're looking for rewards, offers 4% on Gas station purchases, 3% on Restaurant and 2% on Grocery store (for the first $8,000 in combined purchases in these three categories) and 1% cash back on all other purchases.
On the other hand, the PNC Core® Visa® Credit Card offers a range of features and benefits beyond credit-building. It includes a low introductory APR on both purchases and balance transfers, making it a versatile option for those seeking flexibility in managing their finances.
All cards features cell phone protection, zero liability fraud protection, and contactless technology.
Compare The Alternatives
If you're looking for a rewards credit card – the PNC points card is definitely a good option, but there are some good alternatives:
Wells Fargo Active Cash℠ Card | Chase Freedom Unlimited® | Bank of America® Customized Cash Rewards credit card | |
Annual Fee | $0
| $0
| $0
|
Rewards |
2%
2% cash rewards on purchases (unlimited)
|
1.5% – 5%
5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases and 1.5% cash back on all purchases
|
1% – 5%
3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings, 2% cash back at grocery stores and wholesale clubs and 1% cash back on all other purchases. The 3% and 2% cash back available on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter (then 1%)
|
Welcome bonus |
$200
$200 cash rewards bonus when you spend $500 in purchases in the first 3 months
|
$200
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
|
$200
$200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
|
Foreign Transaction Fee | 3%
| 3%
| 3%
|
Purchase APR | 20.24% to 29.99% variable APR
| 20.24%–28.99% variable
| 18.24% – 28.24% Variable APR will apply. A 3% fee (min $0) applies to all balance transfers
|