| Rewards | PNC points® — earn 4 points per $1 on purchases. Qualifying PNC checking accounts can provide an additional 25%, 50%, or 75% monthly bonus on base points |
|---|---|
| Signup Bonus | No standard public signup bonus |
| Annual Fee | None |
| Cardmember Agreement | View Here |
| Cash Advance APR | 29.24% variable |
| Cash Advance Fee | $10 or 5% of the cash advance, whichever is greater |
| Late Payment Fee | Up to $38 |
| Purchases APR | 20.24%–29.24% variable, based on creditworthiness |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The PNC Points Visa Credit Card is a no-annual-fee rewards card known for earning points on everyday purchases and offering flexible redemption options, including cash back, travel, gift cards, and merchandise.
Most users say the simple rewards structure is the card’s biggest advantage. Many reviewers mentioned that the ability to earn points on regular spending and redeem them in several ways makes the card convenient, especially for existing PNC customers. The potential for extra points through qualifying PNC banking relationships is another appealing feature.
On the downside, some users feel the rewards are less competitive than those offered by top cash-back cards. Others point to the card’s relatively high variable APR, particularly if they regularly carry a balance.
Personally, I think the PNC Points Visa makes the most sense for PNC customers who want a straightforward rewards card with no annual fee. If maximizing rewards is your main goal, though, comparing it with higher-earning cash-back cards could provide better value.
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Add Up on Everyday Purchase
I didn't expect much, but the PNC points pleasantly surprise me groceries and gas rack up points faster than I thought. Easy redemption and no hassle make it my favorite everyday card.
