PNC Purchase Payback®

Enjoy more offers across more categories with PNC Purchase Payback

Designed to Reward You More

PNC Purchase Payback[1] is a rewards program designed specifically for you, based on where you like to shop, dine, and have fun. It provides great offers at your favorite retailers, or suggests similar businesses that we think you'll like.

A customized rewards program based on your spending habits means that while we make suggestions, you can choose the reward offers that interest you the most. With PNC Purchase Payback you can treat yourself to even more of the things you love…and get some additional cash or points along the way.

Ways to Earn Cash

Your personal and business PNC Bank Visa® Debit cards and your PNC Cash Rewards® Visa® credit card are all eligible to earn cash with PNC Purchase Payback.

Ways to Earn points

Your personal and business PNC points® Visa® Credit cards are both eligible to earn points[2] with PNC Purchase Payback.

How It Works

Step 1: Preview

PNC has partnered with hundreds of merchants to provide preactivated offers. You can explore them on our Offers Catalog.

Step 2: Shop

Use your PNC Visa card at a listed retailer to start earning.

Step 3: Enjoy

Enjoy your reward and check our Offers Catalog for new offers.

Frequently Asked Questions

Purchase Payback offers are available to view within the Offers Catalog.

Purchase Payback offers are not currently available in PNC Online Banking or the PNC Mobile app.

With Purchase Payback, your offers are preactivated. You can view them within the Offers Catalog.

No, PNC does not charge a fee to participate.

No, there is no maximum.

Please call us at 1-855-PNC-RWDS (855-762-7937).

Normally, points or cash back will be awarded for all earned PNC Purchase Payback offers around the 20th of the month following the qualifying purchase. However, it may take up to 90 days for some transactions such as online purchases or foreign transactions.

No. You will only be opting out of PNC Purchase Payback.

Purchase Payback offers are currently unavailable in PNC Online Banking or the PNC Mobile app. You can view offers that are available on the Purchase Payback Offers Catalog.

We Also Recommend

PNC Checking

Makes your financial life simpler! Find out which checking account is best suited for your lifestyle and banking needs.

PNC Visa® Credit Cards

Want to earn cash or points? We have a credit card that is right for you.

PNC Business Credit Cards

Points. Travel Rewards. Cash Rewards. Low Rates. No matter what you're looking for in a card, we've got you covered.