The PNC points Visa Credit Card has an introductory offer of: 50,000 PNC bonus points when at least $750 is spent in the first 3 billing cycles. Even though it looks like a good welcome offer, the value of these points are worth about $100. This credit card has no annual fees included so it is a pretty good deal to have. Another card that can be easily compared to this card will be the Capital One VentureOne Rewards Credit Card. See our list of credit card offers.
PNC points also has some decent rewards offers like getting 4 points for each $1 you spend. However, if you look closer at it, then you will be able to see that each point you get will not be worth a lot.
This rewards card does come with a PNC relationship bonus that will get you a 25% to 75% boost if you are qualified. For the highest tier, your 4 points for each $1 spent will be moved to 7. If you already bank with PNC then this credit card will have a much better value.
PNC Points Card Quick Facts
| Bonus Available | Get 50,000 bonus points after you make $750 in purchases during the first 3 billing cycles following account opening. This offer is only valid when you apply directly with PNC. |
| Bonus Value | $100 |
| Ongoing Rewards/Benefits | Earn 4 points per $1 spent on every purchase.
Receive 25% to 75% bonus points for qualifying PNC Bank accountholders. |
| Foreign Transaction Fees? | 3% |
| Annual Fees | $0 |
Recommended Free Credit Score (Get Free Score)
690 – 850 (Good – Excellent)
*If interested in PNC Bank see our list of credit card offers for Checking & Savings accounts.*
Pros
- No annual fee
- Welcome bonus
- PNC relationship bonus
Cons
- Good-Excellent credit needed to qualify
- Limited availability
- Low points value
- Points expire
- Foreign transaction fees
Editor’s Alternate Pick
 The Capital One VentureOne Rewards Card offers 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel. Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; balance transfer fee applies You'll earn: • 1.25 Miles per dollar on every purchase, every day. • 5 Miles per dollar on hotels and rental cars booked through Capital One Travel. This card comes with no annual fees and no foreign transaction fees which is a great choice as your go-to travel card! |
PNC Points Card 50,000 Bonus Points Offer
Make use of the PNC points card’s introductory offer of: 50,000 PNC bonus points. The evaluation will be about 50k points that will be worth about $100 (more on that below).
You must charge your card with a minimum of $750 in the first 3 billing cycles after having your account open to be able to qualify.
Here are some ideas on meeting the spending requirement:
What are PNC Points Worth?
Compared to other point-based credit cards, depending on how you choose to use your points will reflect their value. With the calculations, every PNC point will be worth about $0.002, which is under the industry average of $0.01 for each point.
When you want to redeem your PNC points, you will be presented with a few choices such as:
- Cash back
- Travel
- Gift cards
- Merchandise
If you want to receive the best value for your PNC points, then it’s better to use them towards cash back or traveling redemptions.
Keep in mind that your points will expire after 48 months, so be sure to use them before then.
PNC Points Card Relationship Bonus
Receive a 25% boost for your points when you get a statement for your PNC Virtual Wallet account.
| Percent Boost | 25% |
| Additional Rewards | 1 PNC point / $1 |
| Total Rewards | 5 PNC points / $1 |
| Return | 1.25% |
Get a 50% boost for your points when you get a PNC Performance Checking Account or a PNC Virtual Wallet with Performance Spend, you will have to meet all of the qualifications listed below:
- Upheld an average monthly balance of a minimum of $2,000 in that account,
- Had a qualifying monthly direct deposit of a minimum of $2,000 made to that account, or
- Kept up with a combined monthly balance of a minimum of $15,000 in that account and any linked consumer accounts.
| Percent Boost | 50% |
| Additional Rewards | 2 PNC points / $1 |
| Total Rewards | 6 PNC points / $1 |
| Return | 1.5% |
Receive a 75% boost for your points when you have a PNC Performance Select Checking account or a PNC Virtual Wallet with Performance Select, you will have to meet all of the qualifications listed below:
- Upheld an average monthly balance of a minimum of $5,000 in that account and any linked consumer Standard Checking or Performance Select Checking account,
- Had a qualifying monthly direct deposit of a minimum of $5,000 made to that account, or
- Kept up with a combined monthly balance of a minimum of $25,000 in that account and any linked consumer accounts.
| Percent Boost | 75% |
| Additional Rewards | 3 PNC points / $1 |
| Total Rewards | 7 PNC points / $1 |
| Return | 1.75% |
PNC Points Card Availability
This PNC Points credit card is limited to certain areas listed below:
- Alabama
- Delaware
- District of Columbia
- Florida
- Georgia
- Kentucky
- Indiana
- Ohio
- Pennsylvania
- South Carolina
- Illinois
- Maryland
- Michigan
- Missouri
- New Jersey
- New York
- North Carolina
- Virginia
- West Virginia
- Wisconsin
If you live in a different location that’s not listed above, then you should consider getting a different credit card.
Bottom Line
The PNC points is a good card with no annual fees included if you are able to meet all of the qualifications. However, if you want an easier rewards system to follow, then you should look into getting the PNC Cash Rewards credit card. That card will be able to give you the same value with a lower price.
(Visit PNC Visa for more information)
What’s the Competition?
There are some of PNC Points Visa credit card’s top competitors listed below.
 The Chase Sapphire Preferred® Card offers 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. You'll earn: • 5x on travel purchased through Chase TravelSM • 3x on dining, select streaming services and online groceries • 2x on all other travel purchases • 1x on all other purchases • $50 Annual Chase Travel Hotel Credit • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027. Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase TravelSM This card carries a $95 annual fee. |
The Capital One VentureOne Rewards Card offers 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel. Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; balance transfer fee applies You'll earn: • 1.25 Miles per dollar on every purchase, every day. • 5 Miles per dollar on hotels and rental cars booked through Capital One Travel. This card comes with no annual fees and no foreign transaction fees which is a great choice as your go-to travel card! |
 The Capital One Quicksilver Cash Rewards Card offers $200 Cash Back after spending $500 on purchases within 3 months from account opening. 0% intro APR on purchases and balance transfers for 15 months; variable APR after that; balance transfer fee applies You'll earn: • 1.5% Cash Back on every purchase, every day with no rotating categories or sign-ups needed to earn cash rewards. • Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply. This card comes with no annual fee and no foreign transaction fees which makes this card a viable option for your go-to everyday card. |
 The Capital One Savor Cash Rewards Credit Card offers a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening. 0% intro APR on purchases and balance transfers for 15 months; variable APR after that; balance transfer fee applies You'll earn: • 3% Cash Back at grocery stores (excluding superstores like Walmart and Target), on dining, entertainment and popular streaming services. • 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). • 8% Cash Back on Capital One Entertainment purchases. • 1% Cash Back on all other purchases. This card comes with no annual fee and no foreign transaction fees. |
