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

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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

  • 0% introductory APR offer on purchases and balance transfers

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    4x

  • Bonus offer

    None.

  • Intro APR

    0% intro APR on Purchases and Balance Transfers for the first 12 billing cycles

  • Ongoing APR

    APR: 13.24%-25.24%, Variable

    Penalty APR: Up to 29.24%, Variable

    Cash Advance APR: 25.24%, 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

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
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Annual fee

$0

Annual fee

$99

Annual fee

$199

Regular APR

13.24%-25.24% Variable APR

Rates & Fees

Regular APR

16.24%-25.24% Variable APR

Rates & Fees

Regular APR

See Terms

Intro APR

0% intro APR on Purchases and Balance Transfers for the first 12 billing cycles

Intro APR

0% intro APR for 15 months on balance transfers made within 45 days of account opening.

Intro APR

N/A

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Robin Saks Frankel

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

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.