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PNC points® Visa® Credit Card card

PNC points® Visa® Credit Card

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
None
Recommended credit
Excellent / Good
Card network
Visa
Intro purchase APR
0% for 12 months from account opening date
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Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

The PNC points® Visa® Credit Card emphasizes earning you points and gives you the ability to multiply your allotment based on your PNC account relationship.

Our review of the PNC points® Visa® Credit Card

If you’re looking for a credit card that offers great rewards, the PNC Points® Visa® Credit Card is a solid choice. This card earns a standard 4 points per $1 on all purchases, regardless of the category. While there are a few exceptions, such as gift cards or cash advances, most transactions will qualify for the 4 points/$1 rate.

Get More Value with PNC Banking Accounts

To maximize your earnings with the PNC Points® program, consider enrolling in one of PNC Bank’s account options. By maintaining a virtual wallet account, you can earn a 25% bonus over your base points earnings. This bonus increases to 75% for those with higher-tier accounts, such as the Performance Select Checking account. With this account, you can earn 75% more points on your purchases, making it easy to rack up rewards quickly.

How to Redeem Points

Redeeming your points is easy and flexible with the PNC Points® Visa® Credit Card. You can choose from a variety of options, including statement credits, gift cards, car rentals, hotel stays, and merchandise. You can even use your points to pay directly through the PNC Pay® app. Just keep in mind that your points do expire after 48 months, so be sure to redeem them before they are lost.

Other Card Features

In addition to its generous rewards program, the PNC Points® Visa® Credit Card offers a range of other features. You’ll have access to online account management tools, identity theft and fraud protection, and additional insurance coverage when you travel. Plus, there’s no annual fee to worry about, making it a low-cost option for those looking to earn rewards on their everyday purchases.

Should You Apply for the PNC Points® Visa® Credit Card?

Overall, the PNC Points® Visa® Credit Card is a solid choice for those looking to earn rewards on their spending. With its generous rewards program, bonus points for PNC Bank account holders, and lack of an annual fee, it’s a great option for those who want to maximize their rewards without breaking the bank. Consider applying for the PNC Points® Visa® Credit Card today and start earning points on all your purchases!

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • Get 50,000 bonus points after you make at least $750 in purchases during the first 3 months from account opening
  • Earn 4 points per $1 on eligible purchases
  • Earn up to a 75% bonus on base points when you maintain select banking accounts or digital wallets
  • No limit to the amount of points you can ear

Who this card may suit

  • You're looking for a rewards credit card that earns points on every purchase
  • You have a PNC virtual wallet or checking account that can help you boost your points earning total
  • You want various options for which to redeem your accumulated rewards points
  • You're looking for a credit card with no annual fee

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual FeeNone
Intro Purchase APR0% for 12 months from account opening date
Regular Purchase APR17.99% to 29.99% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR0% for 12 months from account opening date
Balance Transfer APR17.99% to 29.99% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction FeeEither $5 or 3% of the amount of each balance transfer, whichever is greater, for the first 90 days from account opening. After that, either $5 or 4% of each transfer amount, whichever is greater
Cash Advance APR29.99% variable based on the Prime Rate
Cash Advance Transaction FeeEither $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee3% of the transaction amount in U.S. dollars
Penalty APR33.99% variable based on the Prime Rate
Late Payment Penalty FeeUp to $38
Return Payment Penalty FeeUp to $38

Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.

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PNC points® Visa® Credit Card

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