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.

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. Learn More about PNC Pay
  • 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[1]

Gift Cards

Gift Cards

  • Starbucks
  • Walmart
  • Amazon
  • BP Gas
  • Home Depot
  • Target


  • Titleist Golf Balls
  • Dyson Vacuums
  • Nintendo Switch
  • Fitbit
  • Keurig Coffee
  • Samsung Galaxy
Tablets and Phones

Apple Store Products

  • iPad
  • Airpods
  • iPhone
  • Apple Watch
Airline Tickets


  • Wyndham
  • Hilton
  • Delta
  • American Airlines
  • Enterprise Rent-A-Car
  • Carnival Cruise

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.

Rewards Terms & Conditions

Frequently Asked Questions

Earn 5 points per $1 in purchases[1] with the PNC points Visa Business credit card or with the BusinessOptions® Visa Signature® credit card. Calculate your points

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.

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.

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 points.

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 Rewards 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.

You can redeem your points in the PNC Reward Center by logging into Online Banking, by using the PNC Mobile app, or by calling 1-855-PNC-RWDS (1-855-762-7937).

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:

On your Account Summary page, click "PNC Rewards Center". Or, select "PNC Rewards Center" from the "Customer Service" tab.

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