PNC points® Visa® Credit Card
PNC points® Visa® Credit Card
PNC points® Visa® Credit Card
Card details
Earn 4 to 7 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
Redeem your points for thousands of valuable rewards – including cash, travel, merchandise, gift cards and more
No annual fee
Introductory offer on purchases and balance transfers.
Rates, fees & offers
Annual fee
$0
Rewards rate
4x-7x
Bonus offer
None
Intro APR
0% intro APR on Purchases and Balance Transfers for the first 12 billing cycles
Ongoing APR
APR: 18.24%-30.24%, Variable
Cash Advance APR: 30.24%, Variable
Penalty APR: Up to 34.24%, Variable
Balance transfer fee
$5 or 4% of the amount of each balance transfer, whichever is greater.
Foreign transaction fee
3% of each foreign transaction in U.S. dollars
Recommended credit score
Compare to other cards
Learn more | Learn more | Learn more |
Annual fee$0 | Annual fee$99 | Annual fee$199 |
Regular APRSee Terms | ||
Intro APR0% intro APR on Purchases and Balance Transfers for the first 12 billing cycles | Intro APR0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable APR will apply, 21.24%-29.99%. | Intro APRN/A |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
NerdWallet review
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Rating details
3.5
Editor's overall rating
Pros and cons
Pros
No annual fee
New cardholder bonus offer
Intro APR period
Cons
Low rewards rate
Limited availability
Complicated redemptions
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.