PNC points is a rewards program that lets you earn points for the day-to-day purchases you’re already making.
Redeem Your Points for a Variety of Rewards
You've earned the points, now enjoy them.
- 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.
- 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
PNC Bank customers are auto-enrolled in PNC points.
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 get 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.
Frequently Asked Questions
Earn 4 points for every $1 in purchases.
If you are a business owner, see how much you can earn at PNC points for Business.
Yes, your points account information is available on your PNC Rewards Center in PNC Online Banking which displays a summary of your points, participating and eligible card points balances and all new, active and earned PNC Purchase Payback offers. You can access the PNC points reward catalog from your PNC Rewards Center in PNC Online Banking.
You can earn even more rewards with a PNC points® Visa® credit card combined with a qualifying Virtual Wallet, Virtual Wallet with Performance Spend, Performance checking, Private Banking Checking, Virtual Wallet with Performance Select or Performance Select checking account. See the PNC points Program Terms and Conditions for details on bonus points with qualifying checking products.
- 75% bonus on base points earned in a billing cycle by maintaining a Performance Select checking account, Private Banking Checking, or Virtual Wallet with Performance Select and meeting the minimum balance requirements.
- 50% bonus on base points earned in a billing cycle by maintaining a Performance checking account, Private Banking Checking, or Virtual Wallet with Performance Spend and meeting minimum balance or direct deposit requirements.
- 25% bonus on base points earned in a billing cycle by maintaining a Private Banking Checking or Virtual Wallet account (no minimum balance requirement).
Your points account information is available on your PNC Rewards Center in PNC Online Banking and the PNC Mobile app which displays a summary of your points, participating and eligible card points balances and all new and active PNC Purchase Payback offers.
The PNC points gift card catalog includes gift cards with values that range from $5 to $500, worth anywhere from 2,350 points up to 250,000 depending on the type of gift card.
The PNC points merchandise catalog and the Apple Store have thousands of items to choose from worth anywhere from 1,000 points to over 1,000,000.
PNC points can be redeemed to book travel with airlines, hotels, car rentals, cruises, and more starting at 10,000 points.
Or you can redeem your points for cash back with as little as 5 points, worth $0.01.
Point values are subject to change.
No, there is no fee to participate in either.
If you have a PNC points consumer card account and a PNC points business card account and you are the primary signer on both credit card accounts, you can ask us to link two or more PNC points Accounts. To link PNC points Accounts, you can access your PNC points Account information from the Rewards Center Page in Online Banking, or by calling 1-855-PNC-RWDS
(1-855-762-7937). Refer to the PNC points Program Terms & Conditions for details about linking accounts.
No, there is no maximum.
Earned points expire at the end of the 48th month after the month in which they were posted to your points account or they will be forfeited if your account is closed.
No, once you've placed your redemption order, you cannot cancel it.
No, there is no limit. You can activate all of the offers presented to you. Every time you activate an offer with a merchant and shop using your enrolled card you can earn the bonus points for that offer.
Your PNC Purchase Payback account information is available in your PNC Rewards Center in Online Banking which displays a summary of all new, active and earned PNC Purchase Payback offers. You can access your offers from your PNC Rewards Center in the PNC Mobile app.
No, if you opt out of PNC Purchase Payback in Online Banking, you will still be participating in PNC points and continue to earn points on everyday purchases.
PNC Purchase Payback points are awarded by the 20th calendar day of the month after the qualifying purchase was made. For example, a qualifying purchase made in August will receive Purchase Payback points by September 20th.
If you have not received your Purchase Payback points after 90 days from the purchase date, please call us at 1-855-PNC-RWDS
To view all your points balances:
- Sign on to PNC Online Banking on PNC.com
- OR, visit your Rewards Center in the PNC Mobile app
On your Account Summary page, click "PNC Rewards Center". Or, select "PNC Rewards Center" from the "Customer Service" tab.
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The merchants listed are not affiliated with the program, the program sponsor, or the program administrator, nor are they sponsors or co-sponsors of the program. All merchant names, logos, trademarks or other marks herein are used with permission. The registered owners of the names, logos, trademarks or other marks retain all rights therein. Merchants may have additional terms and conditions, which may be found on the gift card, gift certificate, voucher, or merchant's website. Merchants listed are subject to change without notice.
The term “purchases” does not mean every transaction you make with your credit card. Some limited transactions, such as cash advance transactions (including the purchase of cash equivalent products) and balance transfers are excluded.
PNC points, PNC Pay and PNC Purchase Payback are registered marks of The PNC Financial Services Group, Inc.
PNC Bank reserves the right to change or terminate the PNC points program at any time.
Visa® is a registered trademark of Visa International Service Association and used under license.