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Apply online and get a response in minutes and, if approved, you'll receive your card in 7 - 10 days!
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.
Plus, ways to earn 25%, 50% or even 75% bonus on all base points!
Redeem your points for gift cards, car rentals, hotel stays and more
See your overall financial picture.
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 »
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.
|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.
This APR will vary with the market based on the prime rate
|Minimum Interest Charge||$1.50|
|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|
|Late Payment||Up to $38|
|Returned Payment||Up to $38|
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 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
|Introductory Term*:||12 months|
|Balance Transfer Fee*:
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.
During the application process, you may be asked to provide the following information:
You'll receive a response immediately and if approved, your card will arrive within 7-10 business days.
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:
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.
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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