Due to manufacturing delays affecting the delivery of new credit cards, if your application is approved, we estimate that your card(s) will be shipped 2-3 weeks after application approval.
Earn 4 points for every $1 in purchases[2]
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.
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 cucle when you maintain a Performance Checking account OR Virtual Wallet® 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.*
Redeem Your Points
You've earned the points, now enjoy them.
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 reward redemption options - including cash back, gift cards, name-brand merchandise, Apple Store products, or to book travel.
All points expire at the end of the month, 48 months after they were added to your PNC points account.
Here are some of our most popular rewards[3]
Features & Benefits
Cell phone protection included
When you use your eligible PNC Visa credit card to pay your monthly wireless bill, you can get reimbursed up to $800 if your cell phone is stolen or damaged. Limitations apply.[3]
- Rates & Offers
- Security
- Digital Account Tools
- Purchase Offer
Enjoy 0% introductory APR on purchases for the first 12 billing cycles following account opening. Then a variable APR, currently 17.24% to 29.24%, based on creditworthiness. This APR will vary with the market based on the prime rate.** - Balance Transfer Offer
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 a variable APR, currently 17.24% to 29.24%, based on creditworthiness. This APR will vary with the market based on the prime rate.**
- Zero Liability Fraud Protection[4]
If your card or card number is ever lost or stolen, your money will be replaced when you notify us promptly of unauthorized use. - PNC Easy Lock®
Misplaced your PNC credit card? Lock it in real time. Learn more - Alerts
Receive real-time email or text message alerts when your card is used online, internationally or for transactions greater than a specified amount. Learn more
- Online Account Tools
Manage transactions, redeem rewards, and make payments digitally.
- Contactless Technology
Pay for everyday purchases quickly and conveniently. Get the same level of security when you tap as you do when you insert your chip. Learn more - Online Statements
Turn off your paper statements and get access to up to 48 months of statements online. Learn more
- Purchase Offer
Enjoy 0% introductory APR on purchases for the first 12 billing cycles following account opening. Then a variable APR, currently 17.24% to 29.24%, based on creditworthiness. This APR will vary with the market based on the prime rate.** - Balance Transfer Offer
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 a variable APR, currently 17.24% to 29.24%, based on creditworthiness. This APR will vary with the market based on the prime rate.**
- Zero Liability Fraud Protection[4]
If your card or card number is ever lost or stolen, your money will be replaced when you notify us promptly of unauthorized use. - PNC Easy Lock®
Misplaced your PNC credit card? Lock it in real time. Learn more - Alerts
Receive real-time email or text message alerts when your card is used online, internationally or for transactions greater than a specified amount. Learn more
- Online Account Tools
Manage transactions, redeem rewards, and make payments digitally.
- Contactless Technology
Pay for everyday purchases quickly and conveniently. Get the same level of security when you tap as you do when you insert your chip. Learn more - Online Statements
Turn off your paper statements and get access to up to 48 months of statements online. Learn more
Tools & Calculators
Related Resources
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