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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.
Introductory 0% Annual Percentage Rate (APR) on purchases for the first 12 billing cycles following account opening.
And, 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. Calculate your savings »
Then a variable APR, currently 13.99% to 23.99%, based on creditworthiness. This APR will vary with the market
based on the prime rate.**
Key Features
Earn 4 points per $1 on purchases*
Plus, ways to earn 25%, 50% or even 75% bonus on all base points!
Variety of Rewards
Redeem your points for gift cards, car rentals, hotel stays and more
Seamless integration with PNC Online Banking & Virtual Wallet
See your overall financial picture.
Account Overview
Features & 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*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
- 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.
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
- Electronic Bill Payment
Pay bills easily and on time. - Online Account Tools
Manage transactions, rewards, balances or payments.
- 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 & 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 | 13.99% to 23.99%, 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 | 30.99% 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 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 per year (with 75% bonus) |
Earn 50% bonuswith a PNC Virtual Wallet with Performance Spend OR PNC Performance Checking Account † |
108,000 per year (with 50% bonus) |
Earn 25% bonuswith a PNC Virtual Wallet† |
90,000 per year (with 25% bonus) |
Redeem your points for a variety of rewards! |
|
† A Purchase is any eligible purchase you make with an enrolled or Linked 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 your Card)
The following transactions are not 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 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-month2 promotion period:
| Introductory APR*: | 0% |
| Introductory Term*: | 12 months |
| Balance Transfer Fee*: (minimum $5) |
3% |
You Could Save
$0
NOTE: After the promotion period, a variable APR currently 13.99% to 23.99% 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 promotional 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.
1. Balance transfer amounts are subject to limitations and restrictions.
2. The promotion 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
Ways to Apply
- Online through the website
- In person at a branch
- Offline through a printable application to mail or fax
What You Need to Apply
You'll need:
- 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.
Important Legal Disclosures & Information
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 issuer of the PNC Bank credit cards described herein.
Equal Opportunity Lender
Bank deposit products and services provided by PNC Bank, National Association. Member FDIC
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