We look at a variety of factors, including, among other things, your credit history, income and any existing PNC relationship, to determine whether you qualify for at least the minimum credit line associated with the credit card product for which you are applying. If we decline your application, we will provide you with the reasons for the decline.
PNC points®
Visa® Credit Card
Get points. Redeem for rewards.
It's that simple.
Must qualify for a minimum credit line of $500.[1]
Earn 100,000 Bonus Points[2]
Just make $1,000 or more in purchases[3] 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.
Redeemable for $200 in cash back or:
Apple Products
Merchandise
Travel
Gift Cards
Bonus eligibility restriction: Only one new account opening bonus on a PNC points credit card per customer within a 24-month period. See below for details.[4]
How to Earn Points
Earn 4 to 7 points for every $1 in purchases[3]
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.[5]
- 50,000 Points or Less
- 100,000 Points or Less
- 200,000 Points or Less
- Other Popular Rewards
Here are some other popular rewards[5]
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
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