PNC points® Visa® Credit Card

PNC points® Visa® Credit Card

on PNC's website

PNC points® Visa® Credit Card

PNC points® Visa® Credit Card

PNC points® Visa® Credit Card

on PNC's website

Card details

Recommended credit score

  • Earn 4 points for every $1 in purchases*

  • Earn even more points with PNC Virtual Wallet or an eligible PNC Checking account when you meet additional requirements*

  • No annual fee**

  • Introductory offer on purchases and balance transfers**

Rates, fees & offers

  • Annual fee


  • Rewards rate

    4 points per dollar

  • Bonus offer


  • Intro APR

    Purchase: 0% for 12 mos

    Transfer: 0% for 12 mos

  • Ongoing APR

    Min APR: 13.99%, Variable

    Max APR: 23.99%, Variable

    Penalty APR: Up to 30.99%, Variable

    Cash Advance APR: 24.99%, Variable

  • Balance transfer fee


  • Foreign transaction fee


Not sure which card is best for you?

Take a simple quiz to find out

NerdWallet review

By Robin Saks Frankel

Rating details


Editor's overall rating

Recommended credit score

Pros and cons

  • No annual fee

  • 0% introductory APR for the first 12 billing cycles following account opening on purchases and balance transfers


    The PNC points® Visa® Credit Card earns 4 points for every $1 you spend. In terms of the number of points you get back, you'd be hard-pressed to find a flat-rate card that tops it.

    But the $0-annual-fee card stumbles in terms of the value of those points. For cash back and gift cards, a PNC point is worth 0.2 cents (and potentially less for merchandise). That's a pitiful valuation when compared with many other rewards cards that earn points valued at a full penny or more each.

    For more information, see NerdWallet's full review of this card.


    User Reviews

    Recommended credit score

    Rating Details

    NerdWallet reviews are the result of independent research by our editorial team while cardholder reviews are contributions from independent users not affiliated with NerdWallet. Banks, issuers and credit card companies are not responsible for any content posted on the NerdWallet site, nor do they endorse or guarantee any posted comments or reviews.

    Already have this card?
    Tell us what you think.

    Showing undefined reviews

    Some of the reviews on the NerdWallet site were purchased through a third party provider. Users who post a review directly on the NerdWallet site will not be compensated in any way. Please see our Terms of Use and Posting Guidelines for more information.