PNC Points Visa Card
The PNC Points Visa Card is a low reward card offered by PNC Bank. While it earns a good amount of points on every purchase, the value of the points are minimal and only increase in value if you have certain services with them. Even at their max of receving a 75% point bonus, it still barely beats out a 1% cash back card. If you want a real rewards card with PNC, I'd recommend you pick up the PNC Premier Traveler Card or the wonderful PNC Cash Rewards Card. In my opinion, this is one of the worst reward point earning cards covered on this site next to the Korean Air Classic Card.
PNC Point Value
PNC Points are worth about 0.25 cents each and can be used for cash back, gift cards, electronics, name-brand merchandise, travel, and more if you can build enough points to reach those redemptions. The time the card becomes decent is when you have a PNC Performance Select Checking account OR Virtual Wallet with Performance Select to give yourself up to a 75% increase in points earned per dollar. A 75% increase would bump the return up to 1.75 cents per $1 spent which is better, but you would have to be deeply invested in PNC. I personally recommend finding a different reward card that can earn a better return across the categories you spend the most on. PNC Points.
The PNC Points Visa Card offers a flat earning rate for all purchases. There is no limit to the amount of PNC Points you can earn with this card. PNC Points expire 48 months after they were added to the account and will disappear from the account at the end of the 48th month.
4x All Purchases
The PNC Points Visa Card earns an unlimited 4 PNC Points per $1 spent. While 4x points sound great, the value of PNC Points are only about 0.25 cents each meaning you're earning 1% cash back. You're better off with the PNC Cash Rewards Card which earns 4% cash back on gas, 3% back on restaurants, and 2% back on grocery. If you're looking for a flat earning rate card, you can pick up any of the million 1.5% cash back cards like the Capital One Quicksilver Card or Chase Freedom Unlimited.
Perks and Benefits
PNC Banking Bonuses
The PNC Points Visa offers additional bonus points based on certain banking services you have with PNC Bank. Even with the value of PNC Points, this is a nice perk for anyone that has the card. The Bank of America Reward Cards also provide a similar perk.
25% Bonus Points
PNC Point Visa cardholders will receive a 25% bump in points when they maintain a Virtual Wallet account. This equates to an additional 1 PNC point per $1 spent on top of the base for a total of 5 PNC points per $1 spend. This is a 1.25% return.
50% Bonus Points
PNC Point Visa cardholders will receive a 50% bump in points when they maintain a Performance Checking Account OR Virtual Wallet with Performance Spend and meet the minimum balance or direct deposit requirements. This adds an additional 2 PNC points per $1 spent for a total of 6 PNC Points per $1 spent. This PNC point bonus will offer a return of 1.50%.
75% Bonus Points
PNC Point Visa cardholders will receive a 75% bump in points when they maintain a Performance Select Checking account OR Virtual Wallet with Performance Select and meet minimum balance or direct deposit requirements. This will earn an additional 3 PNC points for a total of 7 PNC Points per $1 spent on the card. At the highest bonus you can get on the PNC Point Visa, you'll get a return of 1.75% per $1 spent which isn't bad for a no annual fee card if you can meet the requirements.
Other PNC Point Visa Features
The PNC Point Visa also feature PNC Security Assurance which provides protection from credit or identity fraud, $0 Fraud Liability in which the cardholder will not be responsible for fraudulent charges on the account, and Travel and Emergency Protection when at home or away.
Sign Up Bonus
There is no signup bonus for the PNC Points Visa, but it does offer a 0% Intro APR on purchases and balance transfers for the first 12 months.
Credit Card Fees
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The PNC Points Visa card does not have an annual fee.
Authorized User Fee
There is no fee for adding authorized users to the PNC Points Visa Card.
Foreign Transaction Fee
The PNC Points Visa Card has a foreign transaction fee of 3%. Putting any type of international spend on this card will burn the value of your PNC points at more than triple the rate you're earning them. If you don't want to go into debt, stick to using this card within the states.
You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.
All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.
PNC Cash Rewards
The PNC Cash Rewards is PNC's best credit card. It offers 4% cash back at gas stations, 3% back at restaurants, and 2% back grocery shopping. On top of that, it does not have an annual fee or authorized user fee so you can build cash back with family and friends without any fees!
SavorOne Card & Quicksilver
Another great card combination for building solid cash back is the Capital One SavorOne Card and Capital One Quicksilver Card. The SavorOne Card earns 3% cash back on restaurants, 3% back on entertainment, and 2% back on supermarket purchases while the Quicksilver Card earns 1.5% cash back on all other purchases. Both cards have no annual fee, no authorized user fee, and no foreign transaction fee. If you're looking to build some real cash back, this is a combo you're looking for.
Any Other Cards
If you're looking for reward cards, jump to one of our main pages to find a card that fits your lifestyle and spend style. We feature Cash Back Credit Cards, Reward Programs directly with Banking Institutions, and even Hotel and Airline Credit Cards. Check out the Best Credit Card Search Tool and find a card that earns you some great rewards!
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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.
The Point Calculator is owned by RF3 LLC. This site is informational and meant to provide help in calculating points with various programs. The owner of this site is not a legal or tax professional and the statements and articles on this site are opinion of the owner and should not be relied upon for individual circumstances.2019 The Point Calculator and its logo is copyrighted and owned by RF3 LLC. All Rights Reserved.