WalletHubNo membership fees0% intro APR on balance transfersHigh rewards rate100,000 points initial rewards bonusNo intro APR on purchasesBalance transfer feeForeign feeRequires good/excellent credit
We're sorry, but the PNC Points Visa® Credit Card may no longer be available to new applicants or we may no longer be able to obtain complete information related to this offer. For customer service call: 800-558-8472, Ext.
You can write a review about the PNC Points Visa® Credit Card or check the card’s rates and fees according to our latest records, which may be outdated and were collected independently by us. Alternatively, you can compare the latest credit card offers.
Excellent Credit, Good Credit
$0
20.24% - 29.24% (V)
0% intro APR for 12 months, 20.24% - 29.24% (V) APR after that
Balance Transfer Fee
Earn 100,000 bonus points ($200 cash back) after you make $1,000 or more in purchases during the first 3 billing cycles following account opening.
Earn 4 points for every $1 in qualifying purchases. There’s no limit to the number of points you can earn.
Redeem points for cash rewards, merchandise, gift cards, travel and more. All points expire at the end of the month, 48 months after they were added to your PNC points account.
Earn 25% bonus points on base points you earn in a billing cycle when you maintain a Virtual Wallet, Virtual Wallet Student®, Virtual Wallet Performance Spend, Virtual Wallet Performance Select, Performance or Performance Select checking account.
Earn 50% bonus points on base points you earn in a billing cycle when you maintain a Performance Checking account OR Virtual Wallet with Performance Spend and meet minimum balance or direct deposit requirements.
Earn 75% bonus points on base points you earn in a billing cycle when you maintain a Performance Select Checking account OR Virtual Wallet with Performance Select and meet minimum balance or direct deposit requirements or on the due date of your credit card billing cycle, you must have had Private Banking Checking.
0% Introductory APR and 4% intro fee (5% after) on balance transfers that post to your account within 90 days of account opening.
Electronic Bill Payment and Online Account Tools to manage transactions, rewards, balances or payments
Benefits: Purchase Security, Cell Phone Protection, Travel & Emergency Assistance Services, Travel Accident Insurance, Roadside Dispatch.
$0 Fraud Liability
| cash advance fee | 5% (min $10) |
| cash advance APR | 29.24% (V) |
| foreign transaction fee | 3% |
| smart chip | Yes, chip-and-signature |
| max late fee | $38 |
| max overlimit fee | $0 |
| max penalty APR | 33.24% (V) |
| grace period | 21 days |
No membership fees
0% intro APR on balance transfers
High rewards rate
100,000 points initial rewards bonus
No intro APR on purchases
Balance transfer fee
Foreign fee
Requires good/excellent credit
annual fee$0 | annual fee$0 | annual fee$0 |
Purchase Intro APRNot Offered | Purchase Intro APRNot Offered | Purchase Intro APR0% for 15 months |
transfer intro apr0% for 12 months|Transfer Fee: 4% (min $5) | transfer intro apr0% for 18 months|Transfer Fee: 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer | transfer intro apr0% for 15 months|Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after) |
Regular APR20.24% - 29.24% (V) | Regular APR18.24% - 28.24% (V) | Regular APR18.99% - 28.49% (V) |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Sponsored Apply Now | Sponsored Apply Now |
Can't find what you are looking for? Submit your question about PNC Points Visa® Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
Depending on how you redeem, 50,000 PNC points are worth as much as $150 (airfare) or as little as $100 (cash back).
In other words, each PNC point is worth 0.14 cents to 0.36 cents, compared to about 1 cent for the average credit card point.
You can learn more about how to redeem PNC points for maximum value here.
The PNC Points Visa® Credit Card qualifying purchases include online purchases, bill payments, and purchases made either by swiping your card.
PNC Points Visa® Credit Card Qualifying Purchases
Note that some transactions are excluded from earning points. These are: balance transfers, cash advances, ATM transactions, convenience checks, insurance premiums for...
The PNC Points Visa® Credit Card APR is 20.24% - 29.24% (V), with the actual rate depending on factors such as your income, credit history and existing debt. The PNC Points Visa® Credit Card also offers new cardholders an introductory interest rate of Not Offered on purchases and 0% for 12 months for balance transfers. After the card's intro rate expires, the regular interest rate applies to any remaining balance. The regular PNC Points Visa® Credit Card interest rate is variable, meaning it can change based on certain economic conditions.
The PNC Points Visa® Credit Card gives...
You must be at least 18 to apply for the PNC Points Visa.
The payment deadline for a PNC Points Visa® Credit Card is 5:00 P.M. EST on the due date. If your due date falls on a holiday, you have until the next business day to submit a payment.
The PNC Points Visa® Credit Card due date is at least 21 days from the end of each billing cycle. You can find the exact due date listed on your monthly statement, along with the minimum amount to be paid.
If you're worried about...
You can make PNC Points Visa® Credit Card payment online, by phone, through the PNC Bank mobile app, by mail or at a branch. To pay PNC Points Visa® Credit Card bill online, log in to your online account and find the payment button. Then, choose how much to pay, when to pay it, and where the payment is coming from. PNC Bank does allow cardholders to set up automatic payments, too.
Ways to Make PNC Points Visa® Credit Card Payment
PNC Points Visa® Credit Card points are worth 0.14 cents to 0.36 cents apiece, depending on what you spend the points on. You will get the best value for your PNC Points Visa® Credit Card points when you redeem them for travel, but there are multiple redemption options.
How Much PNC Points Visa® Credit Card Points Are Worth
Redemption Option | Average Rewards Value |
Cash Back | 0.2 cents per point |
Travel | 0.36 cents cents per point |
There is no disclosed starting credit limit for the PNC Points Visa® Credit Card. According to forum posts, the starting credit limit can be as high as $20,000. PNC Bank, however, does not include any specific credit limit information in the card's terms.
For the most part, credit limits depend on each applicant's overall creditworthiness. Those with the highest income and best credit scores will generally be offered the highest starting credit limits.
If you're not satisfied...
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Offer last updated: Mar 12th, 2025 at 19:48 ET
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