Visit PNC Rewards Center
Check your points balance, redeem points and more
PNC points is a rewards program that lets you earn points for the day-to-day purchases you’re already making.
Own a business? See how you can earn more points »
You are auto-enrolled in PNC points, if you have a PNC points Visa® credit card. Once you are participating in PNC points, you will be auto-enrolled in PNC Purchase Payback.®
Adjust the slider to show how much you usually spend† on your credit card each month
Your average yearly credit card spend on qualifying purchases† is: $18,000
You could earn †
72,000 (4 points per $1) per year
|WITH THESE CHECKING ACCOUNTS||YOU COULD EARN|
Earn 75% bonuswith a PNC Virtual Wallet with Performance Select OR PNC Performance Select Checking Account ††
|126,000 per year
(with 75% bonus)
Earn 50% bonuswith a PNC Virtual Wallet with Performance Spend OR PNC Performance Checking Account ††
|108,000 per year
(with 50% bonus)
Earn 25% bonuswith a PNC Virtual Wallet††
|90,000 per year
(with 25% bonus)
† A Qualifying Purchase is any eligible purchase you make with an enrolled or Linked Card that is processed or submitted
through the Visa U.S.A. Inc. payment system. This includes the following: Purchases made by swiping your Card, Internet purchases, Phone or mail order purchases, Bill payments (other than to us or another financial institution), Contactless purchases (purchases you make by holding your Card or other device up to a secure reader instead of swiping your Card)
The following transactions are not Qualifying Purchases and will not earn points: Payments of existing Credit Card balances, Balance transfers. Cash advances, ATM transactions, Convenience checks, Fees charged by us (for example, annual fees, interest, and related service charges), Payments made for prepaid and reloadable cards such as certain gift cards, Visa Buxx®, and similar cards, Payments made for payment instruments that can readily be converted to cash (for example, travelers checks, money orders, wire transfers, and similar products or services).
We may decide, in our sole discretion, whether any particular transaction is a Qualifying Purchase. For details, including limitations and restrictions, please refer to the PNC points Program Terms & Conditions
†† To earn bonus points or higher cash back rates you must meet the minimum balance and/or direct deposit requirements for your qualifying checking account. For details, including limitations and restrictions, please refer to the PNC points Program Terms & Conditions
Is there a fee to participate in PNC points or PNC Purchase Payback?
No, there is no fee to participate in both.
Which PNC products are eligible to earn points?
The PNC points® Visa credit card is eligible to earn points.
If you are a business owner, see which business credit cards are eligible at PNC points for Business.
How do I earn points?
By making the everyday purchases you're already making and by activating PNC Purchase Payback offers in your PNC Rewards Center in Online Banking or the PNC Mobile Banking app.
How many points do I get?
Can I link both my personal and business accounts to the same points account?
Yes. Cards can be linked online from your PNC Rewards Center in PNC Online Banking or by calling 1-855-PNC-RWDS (855-762-7937).
What can I get with my points?
Everything from cash to gift cards, travel, electronics and more. Gift cards from Target, Amazon, and Starbucks, round-trip travel and hotel stays are just a few of the 1000s of great rewards—including cash—you can get for the everyday purchases you're already making. Point values are subject to change.
Is there a maximum number of points I can earn and redeem or PNC Purchase Payback offers I can activate and redeem at one time?
No, there is no maximum.
Do points expire?
Earned points expire at the end of the 48th month after the month in which they were posted to your points account or they will be forfeited if your account is closed.
How do I redeem points?
You can redeem your points online or by calling 1-855-PNC-RWDS (855-762-7937)
If I activate a PNC Purchase Payback offer and use my eligible card at the retailer before the offer expires, when will I get my points?
Normally, points will be rewarded for all earned PNC Purchase Payback offers around the 20th of the month following the qualifying purchase. Typically, points are credited within 10 business days. However it may take up to 90 days for some transactions such as online purchases or foreign transactions.
If I opt out of PNC Purchase Payback, will I opt out of PNC points, too?
No, if you opt out of PNC Purchase Payback in Online Banking, you will still be participating in PNC points and continue to earn points on everyday purchases.
What if I haven't received my PNC Purchase Payback points after 90 days?
Please call us at 1-855-PNC-RWDS (855-762-7937).
Can I cancel a redemption order I've already placed?
No, once you've placed your redemption order, you cannot cancel it.
Can I view my PNC points information and PNC Purchase Payback offers in PNC Online Banking?
Yes, most of your points account information is available on your PNC Rewards Center in PNC Online Banking which displays a summary of your points, participating and eligible card points balances and all new, active and earned PNC Purchase Payback offers. You can access the PNC points website from your PNC Rewards Center in PNC Online Banking.
If you currently are not a PNC Online Banking or Mobile Banking customers, you can also access your PNC points account information at pncpoints.pnc.com.
How do points add up on my PNC points participating credit cards?
You get 4 points for each $1 you spend on qualifying purchases made with your PNC points Visa credit card. You earn 5 points for each $1 you spend on purchases made with your PNC points Visa Business or PNC BusinessOptions℠ credit card.
How can I earn even more rewards with my PNC points credit card?
You can earn even more rewards with a PNC points Visa credit card combined with a Virtual Wallet, Virtual Wallet with Performance Spend, Performance checking, Virtual Wallet with Performance Select or Performance Select checking account.
What type of PNC points information can I see in PNC Online and Mobile Banking?
Most of your points account information is available on your PNC Rewards Center in PNC Online Banking and Mobile Banking app which displays a summary of your points, participating and eligible card points balances and all new and active PNC Purchase Payback offers.
How do I check my PNC points Summary?
To view all your points balances:
How do I manage my PNC Purchase Payback Offers?
Except as required by law, Amazon.com Gift Cards ("GCs") cannot be transferred for value or redeemed for cash. GCs may be used only for purchases of eligible goods at Amazon.com or certain of its affiliated websites. For complete terms and conditions, see www.amazon.com/gc-legal. GCs are issued by ACI Gift Cards, Inc., a Washington corporation. All Amazon ®, ™ & © are IP of Amazon.com, Inc. or its affiliates. No expiration date or service fees.
The Bullseye Design, Target and Target GiftCards are registered trademarks of Target Brands, Inc. Terms and conditions are applied to gift cards. Target is not a participating partner in or sponsor of this offer.
The merchants listed are not affiliated with the program, the program sponsor, or the program administrator, nor are they sponsors or co-sponsors of the program. All merchant names, logos, trademarks or other marks herein are used with permission. The registered owners of the names, logos, trademarks or other marks retain all rights therein. Merchants may have additional terms and conditions, which may be found on the gift card, gift certificate, voucher, or merchant's website. Merchants listed are subject to change without notice.
PNC points is a registered mark of The PNC Financial Services Group, Inc. PNC Bank reserves the right to change or terminate the PNC points program at any time.
PNC Purchase Payback is a registered mark of The PNC Financial Services Group.
PNC BusinessOptions is a registered mark of The PNC Financial Services Group, Inc.
Visa is a registered trademark of Visa International Service Association and used under license.
Bank deposit products and services provided by PNC Bank, National Association. Member FDIC