Credit Cards » Credit Card Reviews » PNC Points Visa Card: 2023 Review
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PNC Points Visa Card: 2023 Review

PNC points cards can be a great choice especially for current PNC customers who can benefit extra points and bonuses - but not only.
Author: Andrew O'Malley
Andrew O'Malley

Writer, Contributor

Experience

Andrew O’Malley has a BSc in Economics and Finance. He has worked in the finance industry as a risk analyst and is now pursuing a career in writing. In recent years, he has written for a number of leading publications. He studied Economics and Finance and has been fascinated with the financial markets since his teens.

Review & Fact Check: Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Financial Expert, The Smart Investor CEO

Experience

Baruch Mann (Silvermann) is a financial expert and founder of The Smart Investor. Above all, he is passionate about teaching people how to manage their money and helping millions on their journey to a better financial future.
Author: Andrew O'Malley
Andrew O'Malley

Writer, Contributor

Experience

Andrew O’Malley has a BSc in Economics and Finance. He has worked in the finance industry as a risk analyst and is now pursuing a career in writing. In recent years, he has written for a number of leading publications. He studied Economics and Finance and has been fascinated with the financial markets since his teens.

Review & Fact Check: Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Financial Expert, The Smart Investor CEO

Experience

Baruch Mann (Silvermann) is a financial expert and founder of The Smart Investor. Above all, he is passionate about teaching people how to manage their money and helping millions on their journey to a better financial future.

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PNC points® Visa® Credit Card

pnc point visa card review

Rewards Plan

4 points per $1 on purchases 4 points per $1 on purchases + 25% / 50% /75% bonus on all base points for PNC customers

Sign up Bonus

50,000 bonus points 50,000 bonus points for spending $750 within the first three billing cycles

Credit Rating

Excellent

0% Intro

12 billing cycles for purchases and balance transfer

Annual Fee

$0

APR

17.49% – 29.49% Variable
PNC points® Visa® Credit Card

pnc point visa card review

Rewards Plan

4 points per $1 on purchases 4 points per $1 on purchases + 25% / 50% /75% bonus on all base points for PNC customers

Sign up Bonus

50,000 bonus points 50,000 bonus points for spending $750 within the first three billing cycles

0% Intro

12 billing cycles for purchases and balance transfer

PROS

CONS

APR

17.49% - 29.49% Variable

Annual Fee

$0

Balance Transfer Fee

$5 or 5% (the greater)

Credit Requirements

Excellent

The PNC points® Visa® Credit Card comes in a bag of goodies for its users. 

Cardholders earn 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. New applicants are eligible for a sign up bonus of 50,000 bonus points for spending $750 within the first three billing cycles, 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. .

Overall, this card is suitable mainly for PNC customers looking for a product that offers multiple bonuses and rewards. The card integrates seamlessly with the PNC online banking and virtual wallet, which makes it easy to manage or oversee finances effectively. 

  • Bonus Points
  • No Annual Fee
  • PNC Easy Lock
  • 0% Intro APR
  • Rewards
  • Contactless Payment
  • Zero Liability Protection
  • Foreign Transaction Fee
  • Points Value
  • Points Expiration

Table of Contents

Benefits

Let’s take a look at the benefits of this credit card and see if it’s the right one for your wallet or not.

 You can earn up to 50,000 bonus points for spending $750 within the first three billing cycles.

   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.

The PNC Easy Lock feature helps to protect against fraudulent activities on your account in case your card gets lost or stolen. 

By locking the card, you keep it from being used for unauthorized transactions like purchases, cash advances, or withdrawals. There is also zero fraud liability protection where you're not held responsible for fraudulent charges on your account.

There is a 0% introductory APR for 12 billing cycles for purchases and balance transfer, then 17.49% – 29.49% 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.

You earn 4 points per $1 on purchases + 25% / 50% /75% bonus on all base points for PNC customers when you maintain a performance checking account or a virtual wallet performance spending or checking account.

Clients PNC points can be redeemed for thousands of gift cards from various vendors, apple store products, or to book flights, hotels, car rentals, and other travel services.

Contactless payment is a recent IT development that uses short-range NFC (near field communication) technology to securely complete payments between a contactless card and a contactless-enabled checkout terminal.

All you have to do is tap your card at a contactless-enabled terminal and the payment is sent for authorization. Your PNC points® Visa® Credit Card has this feature.

 This card has $0 fraud liability protection where users aren’t held accountable for unauthorized charges on their accounts. 

This feature is to protect the card owner against fraud; however, the bank requires the client to use reasonable care to protect the card against loss or theft.

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Drawbacks

Let’s take a look at the drawbacks of this credit card and see if it’s the right one for your wallet or not.

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.

Because the point value isn't worth much, the rewards rate isn't as generous as it appears. A balance of 50,000 points on this card is worth $100 in cash, but newer cards will give you up to $300-$500 for the same number of points.

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.

How To Apply For PNC Points Visa Credit Card?

Visit the site at pnc.com and click on the ‘Apply Now’ button to get started.

PNC Point

Get started by clicking the yes or no option to answer the question. Click ‘continue’ to proceed. 

PNC Point

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.

PNC Point

Scroll down to add your co-applicant information (optional), and click ‘Continue' to proceed. 

PNC Point

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. 

PNC Point

Your application is now under review and you will be contacted via mail for the next step.

PNC Point

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 card

Bank of America® Customized Cash Rewards

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
Up to $300 additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year)- worth up to $300 cash back
$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

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Andrew O'Malley

Andrew O'Malley

Andrew O’Malley has a BSc in Economics and Finance. He has worked in the finance industry as a risk analyst and is now pursuing a career in writing. In recent years, he has written for a number of leading publications. He studied Economics and Finance and has been fascinated with the financial markets since his teens.
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Rewards Plan:
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Rewards Plan:
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Rewards Plan:
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Welcome Bonus: 60,000 points 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

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The product offers that appear on this site are from companies from which this website receives compensation. 

Table of Contents

Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.