PNC Points Visa Cash Value Calculator

PNC Points Visa Card

4X Points Per $1

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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.

Bonus Categories

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

Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

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.

and Card Value Calculator

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.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Deselect All
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
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Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
Total Return
The percent you are earning per dollar spent on this card.

Recommended Cards

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!

Recent News/Articles

Page Last Updated: 2018-04-15

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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.

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