PNC points® Visa® Credit Card

Earn 50,000 points

pnc points

$0 Annual Fee**

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 50,000 Bonus Points[1] after you make $750 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 PNC.com page on which the bonus is offered.

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.

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  • 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]

Gift Cards

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

Merchandise

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

Apple Store Products

  • iPad
  • Airpods
  • iPhone
  • Apple Watch

Travel

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

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]

  • 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

PNC points® Visa® Credit Card

Tools & Calculators

Use your PNC points® Visa® Credit Card. Get points. It’s that simple.

Earn 4 points for every $1 in purchases+. And with a qualifying checking account, you can earn monthly bonuses of 25%, 50% or 75% on the points you already earned++. And now with PNC Purchase Payback® you can multiply your points like never before — and reach rewards so much faster.

Related Resources

For Students

Student Credit Card Center

Learn about using credit cards responsibly, as well as the many benefits and features that come standard with our credit cards.

Financial Education

Credit Card Tips

PNC Bank has teamed up with Visa to offer practical money skills. 

Learn More

Manage Your Credit Card Online

With PNC Online Banking, you can manage your credit card online, keep track of day-to-day spending, and stay informed with PNC Card Alerts.

Have Questions?

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