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*
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.
No Annual Fee**
Low Intro balance transfer and purchase APR
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.
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.
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.
|Purchase & Balance Transfer APRs||13.74% to 25.74%, based on creditworthiness.
These APRs will vary with the market based on the prime rate.
|Cash Advances APR||25.74%
This APR will vary with the market based on the prime rate.
This APR will vary with the market based on the prime rate
|Minimum Interest Charge||$1.50|
|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|
|Late Payment||Up to $38|
|Returned Payment||Up to $38|
Adjust the slider to show how much you usually spend on your credit card each month
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
12 billing cycles
Introductory Balance Transfer Fee*:
*NOTE: After the introductory period, a variable APR currently 13.74% to 25.74% 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.
During the application process, you will be asked to provide/validate the following information:
You'll receive a response and if approved, your card will arrive within 7-10 business days.
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.
A supported mobile device is needed to use Mobile Banking. Third party standard usage and data rates may apply.
✝Special PNC.com Offer: 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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