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PNC points^® Visa^® Credit Card

Earn Points on Purchases

If you want your choice of travel, gift cards, merchandise and more… then the PNC points Visa credit card is for you. It’s the rewards card that puts you in control.

Fast, Easy, Secure

Apply online and get a response in minutes and, if approved, you'll receive your card in 7 - 10 days!

Apply Now

*Reward Program Terms & Conditions

**Important Information About Rates & Fees

50,000 Bonus Points

Earn 50,000 bonus points after you make $750 or more in purchases 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.

View Offer Details »

Introductory Offer

Key Features

Earn 4 points per $1 on purchases^[1]

Plus, ways to earn 25%, 50% or even 75% bonus on all base points!

Variety of Rewards

Redeem your points for gift cards, car rentals, hotel stays and more

Seamless integration with PNC Online Banking & Virtual Wallet

See your overall financial picture.

Account Overview

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 Student, Virtual Wallet Performance Spend, Virtual Wallet Performance Select, Performance 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.

Browse the Rewards Catalog

*See Reward Program Terms and Conditions

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 Virtual Wallet. View all of your spending and saving online, from your desktop, tablet or mobile device. Learn More »

The PNC points Visa credit card also features:

No Annual Fee
Great balance transfer options
to help you save on interest
Dedicated U.S.-based customer service
We are available 7 days a week to serve you
Contactless Technology
Pay for everyday purchases quickly and conveniently. Learn more »

Electronic Bill Payment
Pay bills easily and on time.
Online Account Tools
Manage transactions, rewards, balances or payments.
PNC Easy Lock^®
Misplaced your PNC credit card? Lock it in real time. Learn more»

PNC Security Assurance
Protection from credit or identity fraud.
$0 Fraud Liability^[2]
You won’t be responsible for fraudulent charges on your account.
Travel & Emergency Protection
It’s automatic, whether you’re at home or away.

**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	11.99% to 21.99%, based on creditworthiness. These APRs will vary with the market based on the prime rate.
Cash Advances APR	22.99% 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	Either $5 or 3% of the amount for each balance transferred during the first 90 days following account opening, whichever is greater. After that, either $5 or 4% of the amount of each balance transfer, whichever is greater.
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 »

Calculators

Calculate your points

Use the calculator below to estimate your points!

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 with a PNC Virtual Wallet with Performance Select OR PNC Performance Select Checking Account ^†	126,000 points per year (with 75% bonus)
Earn 50% bonus with a PNC Virtual Wallet with Performance Spend OR PNC Performance Checking Account ^†	108,000 points per year (with 50% bonus)
Earn 25% bonus with 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! Browse the Rewards Catalog

† 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

Calculate Your Savings When You Transfer A Balance

Estimate your savings when you transfer your credit card or other debt balances to a new PNC points Visa

Enter your current credit card or debt balances

Current Interest Rate: Card / Debt Balances¹:

CALCULATE YOUR SAVINGS

Reset

During the 12-month² introductory period:

Introductory APR*:	0%
Introductory Term*:	12 months
Balance Transfer Fee: (minimum $5)*	3%

You Could Save $0

NOTE: After the introductory period, a variable APR currently 11.99% to 21.99% based on creditworthiness will be applied.

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.

1. Balance Transfers are subject to certain limitations and restrictions, including the terms and conditions of any applicable introductory balance transfer offer.

2. 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.

What You Need to Apply

Information You Need to Complete the Application

During the application process, you may be asked to provide the following information:

First and Last Name
Date of Birth
Address
Social Security Number
Monthly Housing Payment
Total Annual Income

You'll receive a response immediately and if approved, your card will arrive within 7-10 business days.

Important Legal Disclosures & Information

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.

✝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.

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.

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

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

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.

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PNC points® Visa® Credit Card

Earn Points on Purchases

Fast, Easy, Secure

50,000 Bonus Points

Earn 50,000 bonus points after you make $750 or more in purchases 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.

View Offer Details »

Features & Benefits

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

Earn 25% bonus points

Earn 50% bonus points

Earn 75% bonus points

Redeem your points for exciting rewards

Manage your credit card online

The PNC points Visa credit card also features:

**Rates & Fees

Calculate your points

Use the calculator below to estimate your points!

Earn 75% bonus

Earn 50% bonus

Earn 25% bonus

Redeem your points for a variety of rewards!

Calculate Your Savings When You Transfer A Balance

Estimate your savings when you transfer your credit card or other debt balances to a new PNC points Visa

Enter your current credit card or debt balances

During the 12-month2 introductory period:

Information You Need to Complete the Application

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PNC points^® Visa^® Credit Card

Earn 50,000 bonus points after you make $750 or more in purchases during the first 3 billing cycles following account opening of a PNC points Visa Credit Card.^✝

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

During the 12-month² introductory period: