Visit PNC Rewards Center
Check your points balance, redeem points and more
PNC points®
For your business
PNC points is a rewards program that lets you earn points for the day-to-day purchases you’re already making.
Don't own a business? See how you can still earn points »
Redeem your points for a variety of rewards:
Gift Cards
Car Rentals
Airline Tickets
Tablets & Phones
Hotel Stays
Accessories
How it Works
Get started
PNC Bank customers are auto-enrolled in PNC points.
You are auto-enrolled in PNC points, if you have a PNC points Visa® credit card. Once you are participating in PNC points, you will be auto-enrolled in PNC Purchase Payback.®
Or, if you are not a business owner, visit PNC points for information about our personal PNC points program.
Calculate your points
Use your eligible credit cards. Get points. It’s that simple.
Earn 5 points per $1 for qualifying purchases† with your PNC points Visa Business credit card or PNC Visa Signature BusinessOptions Credit Card by using your cards at the places you love. And now with PNC Purchase Payback you can multiply your points like never before — and reach rewards so much faster.Use the calculator below to estimate your points!
$
Your average yearly credit card spend is: $18,000
You could earn †
90,000 (5 points per $1) per year
† A Qualifying Purchase is any eligible purchase you make with an enrolled or Linked 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 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 Qualifying Purchase.
For details, including limitations and restrictions, please refer to the PNC points Program Terms & Conditions
See the rewards
You've earned the points, now enjoy them.
Choose cash or gift cards from your favorite stores and restaurants. Cash in often, or save for something like travel, electronics and more. You'll also find a great selection of merchandise from outdoor gear to jewelry!
You can also enhance your redemption experience by signing up for the following features on the PNC points web site.
- Auto Redemption – If you have a reward you want to receive again and again, you can have it sent to you as soon as your points reach the right level.
- Wish List – As you browse rewards, keep track of the ones you like for redemption later. You can have up to 25 items on your Wish List at one time.
Here are some of our most popular rewards[1]:
$4 Cash Value Award
Travel Booking
Varies based on points
$5 Starbucks Card
$15 Cash Value Award
Kohl's $25 Gift Card
$100 Cash Value Award
$25 Target Gift Card
$50 Apple Gift Card
$100 Amazon.com Gift Card
$10 Darden Restaurants®
Gift Card
FAQs
General Program Information
Is there a fee to participate in PNC points or PNC Purchase Payback?
No, there is no fee to participate in either.
Which PNC products are eligible to earn points?
These credit card products are eligible:
- PNC points Visa Business credit card
- PNC BusinessOptions® Visa Signature® credit card
If you are not a business owner, see how you can earn points at PNC points.
How do I earn points?
By making the everyday purchases you're already making and by activating PNC Purchase Payback offers in your PNC Rewards Center in Online Banking or the PNC Mobile Banking app.
How many points do I get?
Make qualifying purchase with:
- PNC points Visa Business credit card - Earn 5 points per $1
- PNC BusinessOptions® Visa Signature® credit card - Earn 5 points per $1
If you are not a business owner, see how much you can earn at PNC points.
With PNC Purchase Payback you can multiply your points like never before — and reach rewards so much faster. See Terms and Conditions for complete eligibility rules and requirements.
Can I link both my personal and business accounts to the same points account?
Yes. Cards can be linked online from your PNC Rewards Center in PNC Online Banking or by calling 1-855-PNC-RWDS (855-762-7937).
What can I get with my points?
Everything from cash to gift cards, travel, electronics and more. Gift cards from Target, Amazon, and Starbucks, round-trip travel and hotel stays are just a few of the 1000s of great rewards—including cash—you can get for the everyday purchases you're already making. Point values are subject to change.
Is there a maximum number of points I can earn and redeem or PNC Purchase Payback offers I can activate and redeem at one time?
No, there is no maximum.
Do points expire?
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.
How do I redeem points?
You can redeem your points online or by calling 1-855-PNC-RWDS (855-762-7937)
If I activate a PNC Purchase Payback offer and use my eligible card at the retailer before the offer expires, when will I get my points?
Normally, points will be rewarded for all earned PNC Purchase Payback offers around the 20th of the month following the qualifying purchase. Typically, points are credited within 10 business days. However it may take up to 90 days for some transactions such as online purchases or foreign transactions.
If I opt out of PNC Purchase Payback, will I opt out of PNC points, too?
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.
What if I haven't received my PNC Purchase Payback points after 90 days?
Please call us at 1-855-PNC-RWDS (855-762-7937).
Can I cancel a redemption order I've already placed?
No, once you've placed your redemption order, you cannot cancel it.
Can I view my PNC points information and PNC Purchase Payback offers in PNC Online Banking?
Yes, most of 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 website from your PNC Rewards Center in PNC Online Banking.
Access to Your PNC points in Online and Mobile Banking
What type of PNC points information can I see in PNC Online and Mobile Banking?
Most of your points account information is available on your PNC Rewards Center in PNC Online Banking and Mobile Banking app which displays a summary of your points, participating and eligible card points balances and all new and active PNC Purchase Payback offers.
How do I check my PNC points Summary?
To view all your points balances:
- Sign on to PNC Online Banking on pnc.com.
- On your Account Summary page, click "PNC Rewards Center". Or, select "PNC Rewards Center" from the "Customer Service" tab
- OR, visit your Rewards Center in the PNC Mobile Banking app
How do I manage my PNC Purchase Payback Offers?
- Sign on to PNC Online Banking on pnc.com.
- On your Account Summary page, click "PNC Rewards Center". Or, select "PNC Rewards Center" from the "Customer Service" tab.
- OR, visit your Rewards Center in the PNC Mobile Banking app.
- See all your New Offers. Simply click on an offer to view the details and to activate it.
Important Legal Disclosures and Information
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Point values are subject to change.
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.
PNC points is a registered mark of The PNC Financial Services Group, Inc.
PNC BusinessOptions is a registered mark of The PNC Financial Services Group, Inc.
PNC Purchase Payback is a registered mark of The PNC Financial Services Group, Inc.
Visa and Visa Signature are registered trademarks of Visa International Service Association and used under license.
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.
