PNC Points Visa Card Calculator

Card Details & PNC Rewards Calculator
4X Points Per $1

The PNC Points Visa Card is a PNC Points earning credit 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 value, it still barely beats out the return of a 1% cash back card. You're better off picking up a 1.5% cash back credit card or sticking with the PNC Cash Rewards Card.

Bonus Categories

The PNC Points Visa Card offers a flat earning rate for all purchases and does not feature any bonus categories. You'll earn an unlimited 4 PNC Points per $1 spent on all purchases ran across the card.

  • 4x All Purchases

With PNC Points have such low value, you're better off with other rewards cards. It's too much of a hassle to get great value out of these points when you can just as easily pick up a 1.5% cash back or 2%+ cash back credit card without jumping through any hoops.

Perks & Benefits

You'll be able to earn bonus points with the PNC Points Visa Card based on certain banking services that you have with PNC.

  • PNC Banking Bonuses
    • 25% Bonus if you have a Virtual Wallet account.
      • +1 Point Bonus for a total of 5x Points.
    • 50% Bonus if you have a Performance Checking Account OR Virtual Wallet with Performance Spend and meet the minimum balance or direct deposit requirements.
      • +2 Point Bonus for a total of 6x Points.
    • 75% Bonus if you have a Performance Select Checking account OR Virtual Wallet with Performance Select and meet minimum balance or direct deposit requirements.
      • +3 Point Bonus for a total of 7x Points.

Sign Up Bonus (SUB)

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.


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 other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
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...
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 ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) 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.
Learn how you can use cash back portals to earn hundreds in cash back every year booking travel and shopping online. Easily double and triple dip on rewards when you combine cash back portals, loyalty programs, and rewards credit cards.
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 this 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.

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