Rewards Plan
Sign up Bonus
Credit Rating
0% Intro
Annual Fee
APR
- Bonus Points
- Rewards
- Penalty Fees
- Foreign Transaction Fee
Rewards Plan
Sign up Bonus
0% Intro
PROS
- Bonus Points
- Rewards
CONS
- Penalty Fees
- Foreign Transaction Fee
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.
- Bonus Points
You can earn up to 50,000 bonus points for spending $750 within the first three billing cycles.
- 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.
- PNC Easy Lock
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.
- 0% Intro APR
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.
- Rewards
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
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.
- Zero Liability Protection
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.
- 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 Value
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.
- 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.
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.
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
|
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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PNC Points Visa
