Fast, Easy, Secure
Apply online and get a response in minutes and, if approved, you'll receive your card in 7 - 10 days!
Earn 4 points per $1
Plus, ways to earn 25%, 50% or even 75% bonus on all base points!
PNC points® Visa®
Credit Card
If you want your choice of travel, gift cards, merchandise and more… then the PNC points Visa credit card is for you. It’s the rewards card that puts you in control.
- Get 50,000 bonus points when you make $750 or more in qualifying purchases[1] during the first 3 billing cycles following account opening.[2]
- Plus, get an introductory offer on balance transfers!
Key Features
Variety of Rewards
Redeem your points for gift cards, car rentals, hotel stays and more
Seamless integration with PNC Online Banking and Virtual Wallet
See your overall financial picture.
Account Overview
Features and Benefits
Earn 4 points for every $1 in purchases*
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*Redeem your points for exciting rewards
- You’ll automatically be enrolled in the PNC points® Program
- There’s no limit to the number of points you can earn
- Choose from thousands of rewards – including cash, gift cards, electronics, name-brand merchandise and travel
Manage your credit card online
In addition to giving you the rewards you want, a PNC credit card can integrate seamlessly with PNC Online Banking and Virtual Wallet. View all of your spending and saving online, from your desktop, tablet or mobile device. Learn More »
The PNC points Visa credit card also features:
- No Annual Fee
- Great balance transfer options
to help you save on interest - Dedicated U.S.-based customer service
We are available 7 days a week to serve you - Contactless Technology
Pay for everyday purchases quickly and conveniently. Learn more »
- Electronic Bill Payment
Pay bills easily and on time. - Online Account Tools
Manage transactions, rewards, balances or payments. - PNC Easy Lock®
Misplaced your PNC credit card? Lock it in real time. Learn more»
- PNC Security Assurance
Protection from credit or identity fraud. - $0 Fraud Liability
You won’t be responsible for fraudulent charges on your account. - Travel & Emergency Protection
It’s automatic, whether you’re at home or away.
**Rates and Fees
| Introductory Offer | Introductory 0% Annual Percentage Rate (APR) on purchases for the first 12 billing cycles following account opening. Introductory 0% APR on balance transfers for the first 12 billing cycles following account opening when the balance is transferred within the first 90 days following account opening.Then, the Purchase and Balance Transfer APRs. |
| Annual Fee | $0 |
| Purchase & Balance Transfer APRs | 12.99% to 24.99%, based on creditworthiness. These APRs will vary with the market based on the prime rate. |
| Cash Advances APR | 24.99% This APR will vary with the market based on the prime rate. |
| Penalty APR | 28.99% This APR will vary with the market based on the prime rate |
| Minimum Interest Charge | $1.50 |
| Transaction Fees: | |
| Balance Transfers | Either $5 or 3% of the amount for each balance transferred during the first 90 days following account opening, whichever is greater. After that, either $5 or 4% of the amount of each balance transfer, whichever is greater. |
| Cash Advances | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction | 3% of each foreign transaction in U.S. dollars |
| Penalty Fees: | |
| Late Payment | Up to $38 |
| Returned Payment | Up to $38 |
Calculators
Calculate your points
Use the calculator below to estimate your points!
$
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 points per year (with 75% bonus) |
Earn 50% bonuswith a PNC Virtual Wallet with Performance Spend OR PNC Performance Checking Account † |
108,000 points per year (with 50% bonus) |
Earn 25% bonuswith a PNC Virtual Wallet, PNC Virtual Wallet Performance Spend, PNC Virtual Wallet Performance Select, PNC Performance or PNC Performance Select Checking Account † |
90,000 points per year (with 25% bonus) |
Redeem your points for a variety of rewards! |
|
† A Qualifying Purchase is any eligible purchase you make with an enrolled 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 or inserting 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
Calculate Your Savings When You Transfer A Balance
Estimate your savings when you transfer your credit card or other debt balances to a new PNC points Visa
Enter your current credit card or debt balances
During the 12-month++ introductory period:
| Introductory APR*: | 0% |
| Introductory Term*: | 12 months |
| Balance Transfer Fee*: (minimum $5) |
3% |
You Could Save
$0
NOTE: After the introductory period, a variable APR currently 12.99% to 24.99% based on creditworthiness will be applied.
Calculations & Assumptions: The savings reflected are approximate and are calculated on the difference in interest charges between the higher APR cards you entered and the lower introductory balance transfer APR offered by PNC Bank. Actual savings may be impacted based on your purchase and payment activity. Fees other than the balance transfer fee are not taken into consideration. No upper limit to balance transfer fees are considered. Additionally, it is assumed that no other balances are on the account other than the transferred balance that is subject to the introductory rate. For purposes of this calculator, the minimum payment is calculated as 1% of principal balance plus interest and fees. Your minimum payment may be different. See your credit card agreement for details.
+ Balance transfer amounts are subject to limitations and restrictions.
++ The introductory period is the first 12 billing cycles following account opening when the balance is transferred within the first 90 days following account opening.
How to Apply
What You Need to Apply
During the application process, you may be asked to provide the following information:
- First and Last Name
- Date of Birth
- Address
- Social Security Number
- Monthly Housing Payment
- Total Annual Income
You'll receive a response immediately and if approved, your card will arrive within 7-10 business days.
Summary of PNC points Rewards Program
Important Information About the PNC points® Credit Card Reward Program
The following is a summary of the PNC points reward program. For more details, please refer to the full terms and conditions for the reward program.
Summary of the Current PNC points Program
The following is a summary of the PNC points reward program referenced on the front of this offer. Full reward program terms and conditions will be sent with your credit card and are available on pnc.com/creditcards. As used herein, the term "Qualifying Purchases" does not mean all purchases you may make with your credit card. Some limited transactions are excluded such as purchase of a gift card or other cash equivalent products, purchases with a convenience check, cash advances or balance transfers. For details, please see the full terms and conditions for this reward program. The term "Bonus Points" means special bonus offers, Purchase Payback bonus points, and bonus points associated with the credit card products as described in the section below and the term "Base Points" means all points awarded excluding Bonus Points. Your credit card will be automatically enrolled in the PNC points program.
If, on the payment due date of your points credit card each month, you also have any one of these PNC Qualifying Deposit Accounts: Virtual Wallet, Virtual Wallet Student, Performance Checking Account, Virtual Wallet with Performance Spend, Performance Select Checking Account or Virtual Wallet with Performance Select, you may qualify to earn Bonus Points. If the PNC points Visa credit card account is in the name of more than one individual, all such individuals must be owners of the checking account in order to earn Bonus Points.
Qualifying for 25%, 50% or 75% Bonus Points
If, as of the last deposit account statement issued for your Qualifying Deposit Account on or before the payment due date of your points credit card, you have:
- To earn a bonus of 75% of all base points: On the due date of your Credit Card Billing Cycle, you must have had a Performance Select Checking account or Virtual Wallet with Performance Select and met one of the following requirements (as reflected on the last statement issued for that account on or before the due date of the Credit Card Billing Cycle):
- An average monthly balance of $5,000 or more in that account and/or any linked consumer Standard Checking or Performance Select Checking account (For the Virtual Wallet with Performance Select, the balance must be in the Spend and/or Reserve Accounts); or
- A combined average monthly balance of $25,000 or more in that account and any linked consumer Standard Checking or Performance Select Checking, savings, money market, certificates of deposit, retirement CDs or investment accounts for which you are an account owner.
- Had a qualifying aggregate monthly direct deposit (such as payroll, pension or Social Security) of $5,000 or more made to that account (for the Virtual Wallet with Performance Select, the deposit must be made into the Spend account). See the Consumer Schedule for Service Charges and Fees for your deposit accounts for a definition of qualifying aggregate monthly direct deposit.
- To earn a bonus of 50% of all base points: On the due date of your Credit Card Billing Cycle, you must have had a Performance Checking account or Virtual Wallet with Performance Spend and met one of the following requirements (as reflected on the last statement issued for that account on or before the due date of your Credit Card Billing Cycle):
- Maintained an average monthly balance of $2,000 or more in that account (For the Virtual Wallet with Performance Spend, the balance must be in the Spend and/or Reserve Accounts);
- Had a qualifying aggregate monthly direct deposit (such as payroll, pension, or Social Security) of $2,000 or more made to that account (For the Virtual Wallet with Performance Spend, the deposit must be made into the Spend account. See the Consumer Schedule for Service Charges and Fees for your deposit accounts for a definition of “qualifying aggregate monthly direct deposit.”); or
- Maintained a combined average monthly balance of $15,000 or more in that account and any linked consumer Standard Checking or Performance Checking, savings, money market, certificates of deposit, retirement CDs, investment, or loan (line of credit, auto, home equity installment, or mortgage loan) accounts for which you are an account owner
- To earn a bonus of 25% of all base points: You must have met one of the following requirements.
- During your Credit Card Billing Cycle, or or before your due date for that Credit Card Billing Cycle, we issued you a statement for a Virtual Wallet, a Virtual Wallet Student, a Virtual Wallet with Performance Spend, a Performance Checking Account, a Performance Select Checking Account, or a Virtual Wallet with Performance Select.
For purposes of determining average monthly balances and combined average monthly balances, linked accounts are those accounts that have been linked to your checking account to waive monthly service fees. See your Consumer Schedule of Service Charges and Fees applicable to deposit accounts for a definition of "qualifying aggregate monthly direct deposit."
If the points credit card account is in the name of more than one individual, all such individuals must be owners of the Qualifying Deposit Account to earn Bonus Points. If you have multiple points credit card accounts linked to your PNC points account then you will receive Bonus Points equal to the application of the highest qualifying percentage. If you close or de-link a points credit card, you may forfeit a portion of the Bonus Points for the billing cycle in which you close or de-link. Points are awarded to your PNC points account within 7-10 business days but no later than within 60 calendar days.
Important Legal Disclosures and Information
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The term "qualifying purchases" does not mean all transactions you may make using your credit card. Some limited transactions, such as cash advances, are excluded. For details about excluded transactions, please see the complete reward program terms and conditions available on pnc.com/creditcards.
-
50,000 bonus points will be awarded after you have made at least $750 in qualifying purchases during the first 3 billing cycles following account opening. The 50,000 bonus points will be awarded within 90 days after you make the qualifying purchase that enabled you to meet the $750 minimum requirement. The 50,000 bonus points, if earned, are forfeited if the account is closed before the bonus points are awarded.
See the PNC points Program Terms and Conditions for details. PNC Bank reserves the right to change or terminate the PNC points program at any time.
PNC points is a registered mark of The PNC Financial Services Group, Inc.
PNC Easy Lock 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.
PNC Bank, National Association is the issuer of the PNC Bank credit cards described herein.
Bank deposit products and services provided by PNC Bank, National Association. Member FDIC
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