PNC points^® Visa^®

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.