PNC points®
Visa® Credit Card

Get points. Redeem for rewards.
It's that simple.

Earn 100,000 bonus points

pnc points

$0 Annual Fee**

Earn 100,000 Bonus Points[1]

Just make $1,000 or more in purchases[2] during the first 3 billing cycles following account opening of a PNC points® Visa® Credit Card. Offer available when applying through a link on a page on which the bonus is offered.

Bonus eligibility restriction: Only one new account opening bonus on a PNC points credit card per customer within a 24-month period.[3]

Redeemable for $200 in cash back or:

Apple Products



Gift Cards

How to Earn Points

Earn 4 to 7 points for every $1 in purchases[2]

Earn more points on top of base points you earn in a billing cycle when you meet additional requirements with an eligible PNC checking account.*

Earn 5 total points

Get 25% on base points you earn in a billing cycle as a monthly lump sum.

  • Virtual Wallet®
  • Virtual Wallet® Student
  • Virtual Wallet® Performance Spend
  • Virtual Wallet® Performance Select
  • Performance Checking
  • Performance Select Checking 

Earn 6 total points

Get 50% on base points you earn in a billing cycle as a monthly lump sum.

  • Performance Checking
  • Virtual Wallet® Performance Spend with one of the following:
    • Average monthly balance of $2,000
    • Qualifying direct deposit of $2,000
    • Combined average monthly balance (with a qualifying linked account) of $15,000    

Earn 7 total points

Get 75% on base points you earn in a billing cycle as a monthly lump sum.

  • Performance Select Checking
  • Virtual Wallet® Performance Select with one of the following:
    • Average monthly balance of $5,000 (and/or any qualifying linked account)
    • Qualifying aggregate monthly direct deposit of $5,000
    • Combined average monthly balance of $25,000 (and any qualifying linked account)
  • Maintain a private banking checking on due date of your billing cycle

Log in to your Online Banking to check which PNC checking account you have.

Earn even more rewards on your everyday shopping with PNC Purchase Payback®

Add offers to your card and earn additional points. There is no limit to the offers you can activate at once. Rewards designed for you to earn more on the things you love. 

All points expire at the end of the month, 48 months after they were added to your PNC points account. 

Redeem for Rewards

Redeem your points for thousands of valuable rewards – including Apple products, merchandise, travel, gift cards and more.[4]


Cordless Drill Set - 78 Piece Kit, 18-Volt Power Tool by Stalwart


AirTag™ - 4 Pack


HomePod mini® in Space Gray


Fitbit Luxe Fitness Wellness Tracker


Airpods® (3rd generation) with MagSafe Charging Case


Coleman 2-Person Camp Burst Pop-Up Tent - Scuba Blue


Apple Watch® Series 8 GPS 41mm Midnight Aluminum Case with Midnight Sport Band - S/M


Cuisinart® Chefs Style Stainless Tabletop Grill


Ipad® (9th gen.), 64 gb Wi-Fi enabled

Here are some other popular rewards[4]

Apple Store Products

  • iPad
  • IPhone®
  • Apple Watch


  • Titleist Golf Balls
  • Dyson Vacuums
  • Nintendo Switch
  • Keurig Coffee
  • Samsung Galaxy


  • Wyndham
  • Hilton
  • Delta
  • American Airlines
  • Enterprise Rent-A-Car
  • Carnival Cruise

Gift Cards

  • Starbucks
  • Walmart
  • Amazon
  • BP Gas
  • Home Depot
  • Target

Rewards are subject to change.

Plus, You'll Enjoy Our Intro Offer

0% APR on Balance Transfers

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 18.24% to 30.24%, based on creditworthiness. This APR will vary with the market based on the prime rate.**

More Benefits

Cell Phone Protection

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.[5]

Zero Liability Fraud Protection

If your card or card number is ever lost or stolen, your money will be replaced when you notify us promptly of unauthorized use.[6]

PNC Easy Lock


Misplaced your PNC credit card? Lock it in real time. Learn more



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

Image of Cash Rewards Credit Card

PNC points® Visa® Credit Card

$0 Annual Fee**

Tools & Calculators

Points Edits

PNC Points Visa

Have Questions?

We're Here to Help

Call us

Monday - Friday: 8 a.m. - 9 p.m. ET

Saturday - Sunday: 8 a.m. - 5 p.m. ET

Visit Us

Find a PNC location near
you and stop by to see us.

Customer Service

Find answers to frequently asked questions, how-to videos and service phone numbers to assist you.