PNC points® Visa® Credit Card

PNC points® Visa® Credit Card

PNC points® Visa® Credit Card

PNC points® Visa® Credit Card

PNC points® Visa® Credit Card

Card details

  • 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

    $0

  • Rewards rate

    4x

  • Bonus offer

    None

  • Intro APR

    0% introductory APR for the first 12 billing cycles on purchases and balance transfers

  • Ongoing APR

    APR: 11.99% - 21.99% Variable APR

    Penalty APR: Up to 28.99%, Variable

    Cash Advance APR: 22.99%, Variable

  • Balance transfer fee

    4%

  • Foreign transaction fee

    3%

Recommended credit score

Compare to other cards

PNC points Credit Card

PNC points® Visa® Credit Card

Learn more
Annual Fee

$0

Annual Fee

$95

Annual Fee

$0

Regular APR

11.99% - 21.99% Variable APR

Regular APR

13.99% - 23.99% Variable APR

Rates & Fees

Regular APR

22.99% Variable APR

Rates & Fees

Intro APR

0% introductory APR for the first 12 billing cycles on purchases and balance transfers

Intro APR

0% intro APR on Purchases for 12 months

Intro APR

10.99% intro APR on Balance Transfers for 6 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Robin Saks Frankel

Rating details

3.5

Editor's overall rating

Pros and cons

Pros
  • No annual fee

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

Cons

    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.