You’ll automatically be enrolled in the PNC points® Program
There’s no limit to the number of points you can earn
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
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.
Then, the Purchase and Balance Transfer APRs.
|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.
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% bonuswith a PNC Virtual Wallet with Performance Select OR PNC Performance Select Checking Account †
|126,000 points per year
(with 75% bonus)
Earn 50% bonuswith a PNC Virtual Wallet with Performance Spend OR PNC Performance Checking Account †
|108,000 points per year
(with 50% bonus)
Earn 25% bonuswith a PNC Virtual Wallet, PNC Virtual Wallet Performance Spend, PNC Virtual Wallet Performance Select, PNC Performance or PNC Performance Select Checking Account †
|90,000 points per year
(with 25% bonus)
Redeem your points for a variety of rewards!
† A Purchase is any eligible purchase you make with an enrolled card that is processed or submitted
through the Visa U.S.A. Inc. payment system. This includes the following: purchases made by swiping your card, Internet purchases, phone or mail order purchases, bill payments (other than to us or another financial institution), contactless purchases (purchases you make by holding your Card or other device up to a secure reader instead of swiping or inserting your Card)
The following transactions are not Qualifying Purchases and will not earn points: payments of existing credit card balances, Balance transfers. cash advances, ATM transactions, convenience checks, fees charged by us (for example, annual fees, interest, and related service charges), payments made for prepaid and reloadable cards such as certain gift cards, Visa Buxx®, and similar cards, payments made for payment instruments that can readily be converted to cash (for example, travelers checks, money orders, wire transfers, and similar products or services).
We may decide, in our sole discretion, whether any particular transaction is a Purchase.
For details, including limitations and restrictions, please refer to the PNC points Program Terms & Conditions
12 billing cycles
Balance Transfer Fee4:
*NOTE: After the introductory period, a variable APR currently 12.99% to 24.99% 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.
4. Balance Transfers are subject to certain limitations and restrictions, including the terms and conditions of any applicable introductory balance transfer offer.
5. 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 may be asked to provide 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.
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.
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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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.
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