PNC points® Visa®
Credit Card


Earn 4 points for every $1 in purchases[1]

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

Calculate your points »»
No Annual Fee**

Earn 50,000 Bonus Points[] after you make $750 or more in purchases[1] 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.



Features & Benefits

Earn 4 points for every $1 in purchases[1]

Earn 25% bonus points

on base points you earn in a billing cycle when you maintain a Virtual Wallet®Virtual Wallet® Performance Spend, Virtual Wallet® Performance SelectPerformance  or Performance Select checking account*

Calculate your points »

Earn 50% bonus points

on 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*

Calculate your points »

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*

Calculate your points »


 

Redeem Your Points for Exciting Rewards

  • 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.

*See Reward Program Terms and Conditions

 


 

Additional Features

  • 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.

  • Contactless Technology
    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.

Rates & Fees

**Rates & Fees

Introductory Offer

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.

Then, the Purchase and Balance Transfer APRs.

Annual Fee $0
Purchase & Balance Transfer APRs 12.99% to 24.99%, based on creditworthiness.
These APRs will vary with the market based on the prime rate.
Cash Advances APR 24.99%
This APR will vary with the market based on the prime rate.
Penalty APR 28.99%
This APR will vary with the market based on the prime rate
Minimum Interest Charge $1.50
Transaction Fees:  
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
Penalty Fees:  
Late Payment Up to $38
Returned Payment Up to $38

**See Important Information About Rates and Fees »

Manage Your Credit Card Online

In addition to giving you the rewards you want, a PNC credit card can integrate seamlessly with PNC Online Banking and the PNC Mobile App.[3]

View all of your spending and saving online, from your desktop, tablet or mobile device.

Learn More »

Calculators

What You Need to Apply

Important Legal Disclosures & Information

  1. 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.

  2. Limitations apply.  Notify PNC Bank immediately of any unauthorized use. For specific time restrictions, limitations and other details regarding unauthorized use, see your account agreement.

  3. 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. 

Android is a trademark of Google LLC.

Bank deposit products and services provided by PNC Bank, National Association. Member FDIC

PNC Bank, National Association is the issuer of the PNC Bank credit cards described herein.

PNC Easy Lock is a registered mark of The PNC Financial Services Group, Inc.

PNC Pay is a registered mark of The PNC Financial Services Group, Inc.

PNC points is a registered mark of The PNC Financial Services Group, Inc.

Visa® is a registered trademark of Visa International Service Association and used under license.

BBVA is a registered trademark of BBVA, S.A. and is used under license.

Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information.