PNC points® Visa®

Credit Card

If you like seeing points add up quickly and turning them into exciting rewards, then the PNC points Visa credit card gives you lots of opportunities.

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Key Features
Earn 4 points per $1

Many ways to earn 25%, 50% or even 75% bonus on all base points!

Seamless integration with PNC Online Banking and Virtual Wallet

See your overall financial picture.

No Annual Fee**

There is no annual fee for this card.

Account Overview

Features and Benefits

Earn 4 points for every $1 in qualifying purchases

 

Earn 25% bonus points

when you maintain a Virtual Wallet and meet minimum balance, direct deposit or other criteria requirements*

Calculate your points »

Earn 50% bonus points

when you maintain a Performance Checking account or Virtual Wallet with Performance Spend and meet minimum balance or direct deposit requirements*

Calculate your points »

Earn 75% bonus points

when you maintain a Performance Select Checking account or Virtual Wallet with Performance Select and meet minimum balance or direct deposit requirements*

Calculate your points »



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 hundreds of rewards – including cash, gift cards, electronics, name-brand merchandise and travel
  • See all the rewards
*See Reward Program Terms and Conditions


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 »


Every PNC Bank Visa credit card features:

  • 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.
  • Online Account Tools
    Manage transactions, rewards, balances or payments.
  • Electronic Bill Payment
    Pay bills easily and on time.

**Rates and Fees

Introductory Offer Introductory 0% Annual Percentage Rate (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.Calculate your savings »

And, introductory 0% APR on purchases for the first 12 billing cycles following account opening.

Then, the Purchase and Balance Transfer APRs.

Annual Fee $0
Purchase & Balance Transfer APRs 11.99% to 21.99%, based on creditworthiness.
These APRs will vary with the market based on the prime rate.
Cash Advances APR 21.99%
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 of each balance transfer, whichever is greater
Cash Advances Either $10 or 4% 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 $35
Returned Payment Up to $35

**See Important Information About Rates and Fees »

Calculators
How to Apply

We Also Recommend

Manage Your Credit Cards Online

Add the power of PNC Online Banking or Virtual Wallet to your PNC Visa Credit Card and see how easy it can be to keep track of your day-to-day spending.

Learn More »

Visa Checkout

Pay online the easier way with Visa Checkout and your PNC card. Breeze through checkout when shopping online with a single sign-in anytime you see the Visa Checkout button.

Sign Up Now »

Apple Pay™

With Apple Pay, you can now use your iPhone® 6 and iPhone 6 Plus at hundreds of thousands of merchant locations nationwide to conveniently make purchases with your PNC Visa cards, all without reaching for your wallet.

Learn More »

Important Legal Disclosures and Information

  1. 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.

  2. 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.

Visa is a registered trademark of Visa International Service Association and used under license.

PNC Bank, National Association is the creditor and issuer of the PNC Bank Credit Cards.

Equal Opportunity Lender

Bank deposit products and services provided by PNC Bank, National Association. Member FDIC