PNC Points Visa Card Calculator

Calculate the cash value of the PNC Points Visa Card and compare side by side against top rewards card. Provides PNC Points value and redemption options.
Updated 2020-06-17 By Robert Flowers III

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.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

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

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.

Rewards Calculator

You can use the 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 the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

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
Edit Card Options
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
Category Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
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/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of Total Earnings based on Currency Worth.

Rakuten Rewards

$25 Bonus
Earn $25 or 2,500 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $25+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User 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 based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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