PNC points® Visa® Credit Card review
Why you can trust Bankrate
At Bankrate, we have a mission to demystify the credit cards industry — regardless or where you are in your journey — and make it one you can navigate with confidence. Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly, people who shop for credit cards just like you. With this combination of expertise and perspectives, we keep close tabs on the credit card industry year-round to:
- Meet you wherever you are in your credit card journey to guide your information search and help you understand your options.
- Consistently provide up-to-date, reliable market information so you're well-equipped to make confident decisions.
- Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you.
At Bankrate, we focus on the points consumers care about most: rewards, welcome offers and bonuses, APR, and overall customer experience. Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next.
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.
Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.
How We Make Money
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.
Bankrate follows a strict editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service.
This content is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate.com. HomeInsurance.com LLC services are only available in states were it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Best for daily spending
- Rewards Rate: 4 points for every $1 on qualifying purchases
- Welcome Offer: 50,000 bonus points for spending $750 within the first three billing cycles
- Annual Fee: None
- Purchase Intro APR: 0 percent APR for the first 12 billing cycles
- Balance Transfer Intro APR: 0 percent APR for the first 12 billing cycles, plus a fee of $5 or 3 percent of the balance if balances are transferred within 90 days of account opening
- Regular APR: 11.99 percent to 21.99 percent APR variable
The PNC points Visa looks pretty appealing from the outside, and some may find it very practical for their banking needs. Since it comes from a regional bank, the PNC points Visa may not even be available to you. Even if it is, you may find you already have a card giving you better rewards.
Current sign-up bonus
If you’re approved for a new PNC points Visa Credit Card, you can earn an additional 50,000 points when you spend $750 within the first three billing cycles.
While not a spectacular bonus, it’s solid nevertheless, and there are thousands of options when it comes to redeeming. Since $750 isn’t a huge threshold to clear, this is something you may want to consider if you live in an area where PNC operates.
Earning rewards points with the PNC Points Visa Credit Card is easy if you have an account with PNC (or open one) and meet the requirements to earn bonus points. You can always check the number of points available with your PNC credit card login credentials.
You will earn four PNC rewards points for every $1 in qualified spending, which is almost everything except gift cards and other cash equivalent transactions. When this card is your daily go-to for spending, you can find yourself with a nice stash of points pretty quickly.
Let’s say you put $1,000 on your credit card each month. That gives you 4,000 points at the end of the month. Now, if you have a PNC account, this is where the point earnings really start to add up, as you’ll see below.
With so many redemption choices, you’ll find earning them easier than spending them. Do you want to book an exciting travel getaway? Treat yourself to a spa experience? Donate to your favorite charity? Or use them on some new items for your home or wardrobe? The online rewards page is easy to navigate. Chose the category of reward you want to look at and browse through the offers.
Beware though: points expire 48 months after they are earned. To avoid losing them, after you open your account, set a reminder for 46 months from that date. That will give you a two-month buffer to decide how you’ll spend your points before they vanish from your account.
How much are points worth?
These points are, sadly, not very valuable when you consider their cash equivalent. Many rewards programs have points or miles worth 1 cent each, but PNC points work out to less than a quarter of a cent each.
Here are three examples we compared:
- Round-trip flight from Chicago to New York City: $197 when you pay with cash, or 66,067 points, making each point worth $0.29.
- LG Stylo 6 phone: Best Buy sells the 64 GB model for $299.99, but you can get sans cash with 184,583 points. This works out to 0.16 cents per point.
- Walmart gift card: A $100 gift card costs 45,980 points, making each point worth $0.21.
PNC points Visa Credit Card: Benefits
The benefits for this card, while not outstanding, are solid. Current PNC customers, or those who are open to banking with them, enjoy the most rewards.
Opportunity to earn bonus points every month
PNC gives you bonus points on the base points you earn with your card if you maintain specific accounts.
- Earn a 25 percent bonus when you maintain a Virtual Wallet, Virtual Wallet Performance Spend, Virtual Wallet Performance Select, Performance or Performance Select checking account.
- Earn a 50 percent bonus points when you maintain a Performance Checking account or Virtual Wallet with Performance Spend and meet the minimum balance or direct deposit requirements for this award level.
- Earn a whopping 75 percent bonus when you maintain a Performance Select Checking account or Virtual Wallet with Performance Select and meet the minimum balance or direct deposit requirements.
Seamless integration with PNC online banking and Virtual Wallet
Streamline your finances when you pair this card with other banking options from PNC. Access your account information in one location with your PNC visa login. You can easily check your balance and points available with your PNC Bank credit card login info anytime and anywhere.
Rates and Fees
This card offers an intro 0 percent APR for 12 billing cycles on new purchases and balance transfers made within the first 90 days of account opening. After that, the rate goes up to a lower-than-average among rewards credit cards rate of 11.99 percent to 21.99 percent variable, depending on creditworthiness.
Balances transferred within the first 90 days incur a fee of $5 or 3 percent of the total, whichever is greater. After the intro period, the fee increases to the greater of $5 or 4 percent of the total balance transferred.
You’ll also pay a 3 percent foreign transaction fee on international purchases. The late and returned payment fees can be up to $38. Cash advance fees are 10 percent of the total amount or $5, whichever is greater.
How the PNC Points Visa Credit Card compares to other rewards cards
This $0 annual-fee card does come up short when it comes to the length of the 0 percent intro APR. However, it shines when it comes to the number of points it earns day in and day out. Additionally, it has one of the lower spending thresholds that need to be reached to get the welcome bonus.
|Card||Rewards rate||Annual fee||Welcome bonus|
|Citi Rewards+® Card||
||$0||Limited Time offer: 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com||
|Wells Fargo Propel American Express® card||
||$0||20,000 bonus points when you spend $1,000 in purchases in the first 3 months||
|Chase Sapphire Preferred® Card||
||$95||60,000 points after spending $4,000 within the first three months.||
*A balance transfer request must be made within 120 days from account opening to qualify for the introductory APR.
Best cards to pair with the PNC Points Visa Credit Card
With so many specialized rewards cards available, it’s helpful to have a few in your wallet to maximize your rewards-earning potential. The PNC Points Visa pairs well with cards that earn cash back or give extra rewards for travel spending and redemption, like the Citi® Double Cash Card or the Chase Sapphire Preferred® Card. That way, you can cover all of your bases when it comes to getting rewarded for your purchases.
Bankrate’s Take — Is PNC Points Visa Credit Card worth it?
We like the PNC Points Visa Credit Card overall, but unless you already are a PNC customer and can take advantage of the bonus earning opportunities, this isn’t one of the best credit cards on the market today.
- Earn points on nearly all purchases
- Intro APR offers
- No annual fee
- Bonus point opportunities
- Only available in areas with PNC physical presence
- Foreign transaction fee
- Points carry a relatively low cash value compared to other cards
All information about the PNC Points Visa Card and Wells Fargo Propel American Express® card has been collected independently by Bankrate and has not been reviewed or approved by the issuer.