PNC points® Visa®
Credit Card
Earn 4 points for every $1 in purchases[1]
Earn bonus points with an eligible PNC Checking account when you meet additional requirements*
Redeem your points for thousands of valuable rewards – including cash, travel, merchandise, gift cards and more
Calculate your points »»
No Annual Fee**
Features & Benefits
Earn 4 points for every $1 in purchases[1]
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 OR on the due date of your Credit Card Billing Cycle, you must have a Private Banking Checking*
*Rewards Program Terms & Conditions
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
Redeem your points to help pay for purchases with just a tap - directly through PNC Pay® on your Android® device. Learn More »
Choose from thousands of rewards – including cash, gift cards, electronics, name-brand merchandise and travel
All points expire at the end of the month, 48 months after they were added to your PNC points account.
*See Reward Program Terms and Conditions
Additional Features
No Annual Fee**
Low Intro balance transfer and purchase APR
to help you save on interestDedicated Customer Service
We are available 7 days a week to serve you
Electronic Bill Payment
Pay bills easily and on time.Online Account Tools
Manage transactions, rewards, balances or payments.Contactless Technology
Pay for everyday purchases quickly and conveniently.
Learn more »
PNC Security Assurance
Enjoy peace of mind with PNC security & privacy and built-in fraud protection.PNC Easy Lock®
Misplaced your PNC credit card? Lock it in real time. Learn more»Travel & Emergency Protection
It’s automatic, whether you’re at home or away.
See Visa Guide to Benefits for further Information »
Rates & Fees
**Rates & 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.After that then, the Purchase and Balance Transfer APRs. |
| Annual Fee | $0 |
| Purchase & Balance Transfer APRs | 15.24% to 27.24%, based on creditworthiness. These APRs will vary with the market based on the prime rate. |
| Cash Advances APR | 27.24% This APR will vary with the market based on the prime rate. |
| Penalty APR | 31.24% This APR will vary with the market based on the prime rate |
| Minimum Interest Charge | $1.50 |
| Transaction Fees: | |
| Balance Transfers | An intro balance transfer fee of either $5 or 3% of the amount for each balance transferred during the first 90 days following account opening, whichever is greater. After that, your standard balance transfer fee of either $5 or 4% of the amount of each balance transfer, whichever is greater, applies. |
| 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 |
PNC points® Visa®
Credit Card
No Annual Fee**
*Rewards Program Terms & Conditions
**Important Information about Rates & Fees
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 the PNC Mobile App.[2]
View your spending and saving online, from your desktop, tablet or mobile device.
Calculators
Calculate your estimated points
Use the calculator below to estimate+ your points!
Your average yearly credit card spend on purchases++ is: $18,000
You could earn+
72,000 (4 points per $1) per year
| WITH THESE CHECKING ACCOUNTS | YOU COULD EARN |
|---|---|
Earn 75% bonus pointson 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 OR On the due date of your Credit Card Billing Cycle, you must have had Private Banking Checking* |
126,000 points per year (with 75% bonus) |
Earn 50% bonus pointson 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* |
108,000 points per year (with 50% bonus) |
Earn 25% bonus pointson base points you earn in a billing cycle when you maintain a Virtual Wallet®, Virtial Wallet Student®, Virtual Wallet® Performance Spend, Virtual Wallet® Performance Select, Performance or Performance Select checking account* |
90,000 points per year (with 25% bonus) |
Redeem your points for a variety of rewards! |
|
+Calculations and Assumptions: The points earned is an estimate based on the assumption that the dollar amount entered in the calculator for the total monthly purchases will be the same amount spent every month for an entire year. Actual earnings will vary based on (1) the order in which your purchases are made in an individual month, and (2) any changes to your monthly spending patterns.
++The term “purchases” does not mean every transaction you make with your card. Some limited transaction, such as cash advance transaction (including the purchase of cash equivalent products) and balance transfers are excluded.
*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 Credit Card
Enter your current credit card or debt balances
During the 12 billing cycles** introductory period:
Introductory APR*: |
0% |
Introductory Term*: |
12 billing cycles |
Introductory Balance Transfer Fee*: |
3% |
*NOTE: After the introductory period, a variable APR currently 15.24% to 27.24% based on creditworthiness will be applied. This APR varies with the market based on the prime rate. Also, after the introductory period, your standard balance transfer fee of either $5 or 4% of the amount of each balance transfer, whichever is greater, will apply.
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 Transfers are subject to certain limitations and restrictions, including the terms and conditions of any applicable introductory balance transfer offer.
++ 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.
What You Need to Apply
Information You Need to Complete the Application
During the application process, you will be asked to provide/validate 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 and if approved, your card will arrive within 7-10 business days.
Related Resources
Learn about using credit cards responsibly, as well as the many benefits and features that come standard with our credit cards.
If you have questions about or need help with your existing PNC credit card, we're here to help.
Important Legal Disclosures & Information
The term “purchases” does not mean every transaction you may make with your credit card. Some limited transactions, such as cash advances (including the purchase of cash equivalent products) and balance transfers are excluded.
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.
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A supported mobile device is needed to use Mobile Banking. Third party standard usage and data rates may apply.
✝Apply for a new PNC points® Visa® Credit Card through PNC.com. Offer available when applying through any of the links provided on this page. If approved, 50,000 bonus points will be awarded after you have made at least $750 in 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 purchase that enabled you to meet the $750 minimum requirement.
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Bank deposit products and services provided by PNC Bank, National Association. Member FDIC
PNC Bank, National Association is the issuer of the PNC Bank credit cards described herein.
PNC Easy Lock is a registered mark of The PNC Financial Services Group, Inc.
PNC Pay is a registered mark of The PNC Financial Services Group, Inc.
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.
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