On April 7, 2026, PNC Bank launched a new relationship rewards program, PNC TotalRewards.
For those with balances of at least $25,000 or more across eligible PNC accounts, the loyalty program offers a host of banking-related benefits as well as a boost in points or cash back earned from its rewards credit cards.
Credit cards that qualify for a rewards boost of 5% to 35% include any PNC rewards credit card, including the PNC Cash Unlimited Visa Signature and the PNC Cash Rewards Visa. Note that small-business credit cards and non-rewards earning cards are not eligible.
A bump in credit card rewards can be particularly lucrative for PNC customers with significant amounts saved with the bank.
Here’s what to know.
What is the PNC TotalRewards program?
To enroll for the program, you must have a three-month average balance of $25,000 or more across eligible PNC deposit and investment accounts.
Along with valuable benefits like elevated savings and rate discounts on loans, with the TotalRewards program, PNC customers get an increase in rewards earned with an eligible PNC credit card. Your combined balances determine what tier you're in and how much of a boost you get in credit card rewards.
| Program tier | Required balance | Relationship bonus |
|---|---|---|
| Silver | $25,000 to $99,999. | 5%. |
| Gold | $100,000 to $499,999. | 25%. |
| Platinum Honors | $500,000 or more. | 35%. |
Customers will automatically be moved to a higher tier as their balances increase.
Note that members of the military will automatically qualify for the Silver tier.
