PNC Purchase Payback®

Download the PNC Mobile Banking app[1] to access and activate offers

Designed to Reward You More

PNC Purchase Payback[2] 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 with PNC Purchase Payback.

How It Works

Step 1: Click

Log into your PNC online banking or mobile app[1] and view the Purchase Payback offers available to you. “Click” on the offers you want to activate.

Step 2: Shop

Use your eligible PNC Visa card at the retailer before the offer expires.

Step 3: Enjoy

Enjoy your purchase and visit your rewards center to see what you’ve earned.

Mobile Apps Directory

Check out PNC's mobile app offerings.

Enjoy the convenience of Online Banking from your mobile device with PNC Mobile Banking for FREE![1]

Visit the Mobile Apps Directory

Frequently Asked Questions

Your PNC Purchase Payback offer 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 Banking app.

  1. Sign on to PNC Online Banking on
  2. On your Account Summary page, click PNC Rewards Center. Or, select PNC Rewards Center from the Customer Service tab.


  1. Visit your Rewards Center in the PNC Mobile Banking app. See all your New Offers.
  2. Simply click on an offer to view the details and to activate it.

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 rewarded for all earned PNC Purchase Payback offers around the 20th of the month following the qualifying purchase. Typically, points or cash back are credited within 10 business days. However, it may take up to 90 days for some transactions such as online purchases or foreign transactions.

No, if you opt out of PNC Purchase Payback in Online Banking, you will still be participating in PNC points or cash back.

Yes, most of your points or cash back account information is available on your PNC Rewards Center in PNC Online Banking which displays a summary of your points or cash back, participating and eligible card points or cash back balances and all new, active and earned PNC Purchase Payback offers. You can access the PNC points or cash back website from your PNC Rewards Center in PNC Online Banking.

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