PNC Rewards Calculators
Calculate total PNC Points and PNC Miles based on monthly/yearly spend and get the cash value of your PNC Rewards based on redemption.
PNC Points and PNC Miles are two separate bank rewards programs offered by PNC Bank that falls under the PNC Rewards umbrella. The PNC Points program offers points that have pretty low/minimal value while the PNC Miles program operates as your standard bank rewards program which gives you miles worth 1 cent each similar to the Venture Miles and Discover Miles.
If you're looking for a personal PNC credit card to add to your profile, I'd personally recommend the PNC Cash Rewards Card.
Credit Card Rewards Calculators
The PNC Rewards Credit Card Calculators will calculate how many PNC Points or PNC Miles you can earn based on your monthly/yearly spend across categories. Each calculator will also output the cash value of the card based on spend, how much you value each benefit on the card, and any annual fees the card may have.
You can compare the results side by side any credit cards featured on the site to find out which earns you the most rewards and the best return. If cookies are enabled, all spend entered (primary/first column only) will carry over to all credit card calculators on the website.
PNC Credit Card Calculators
PNC offers a personal and business card for both their PNC Points and PNC Miles rewards programs. The PNC Points credit cards offers 4-5 points per $1 spent which will give you a pretty low return due to the value of the points. The PNC Premier Traveler Card is your typical 2% return card with an annual fee while the PNC Travel Rewards Business Card also offers a 2% return, but only on the first $2,500 spent during the year which is terrible for any business that spends more than that per year.
Redeeming Rewards & Cash Value
PNC Points and PNC Miles have totally different cash values. You'll find PNC Miles to be on par with other 'cash-back-disguised-as-miles' programs and PNC Points to be worth very little.
PNC Points Value
PNC Points are valued at around 0.25 cents per point. Enter any amount of PNC Points in the calculator below to see the cash value.
PNC Points Value Calculator
PNC Points has the best redemption value of 0.25 cents per point when being redeeming for travel. That means every time you earn the base 4 points when you spend a dollar on this card, you will earn a 1% return when you apply your points towards travel which is pretty bad. There's lots of great great cards for travel and this isn't one of them.
PNC Points can be redeemed for gift cards at a value of a little over 0.2 cents per point. A $5 gift card would cost you 2,270 PNC Points. At the base earning of 4 points per $1 spent, you'd have to spend $568 to earn that many PNC Points. You can run $568 across a flat rate 2% cash back card and earn $11.36 which is double the value.
PNC Points can be redeemed for merchandise through their PNC Points portal. The value of redeeming points will vary, but it will be a low value. For example, an iPad Pro costs 583,228 PNC Points which will require at least $145,807 in spend on the PNC Points Visa. You can run that same $145,807 through a 2% cash back card and earn $2,916 worth of cash back which could buy you a few iPad Pros.
PNC Miles Value
PNC Miles has the highest value of 1 cent per mile when redeemed towards travel purchases made to the card or through the PNC Rewards Center. Redeeming miles for gift cards or cash will give you a significantly lower value. Enter any amount of PNC Miles in the calculator below to see the cash value.
PNC Miles Value Calculator
Erase Travel Purchases
PNC Miles can be used to wipe travel purchases made on your PNC Premier Card. This is similar to the way Venture Miles work. You make travel purchases on the card and then use your miles to cover those charges made on the card. This can be extremely useful for charges that can't be covered by your other travel cards. For example, if you were to be billed for a toll or a bus ticket, you could apply your PNC Miles to that charge at a 1 cent for 1 mile rate. Redemptions start at 5,000 PNC Miles which is equal to $50.
PNC Rewards Center
PNC Miles can be used to book travel directly through the PNC Rewards Center. This includes flights, hotels, car rentals, cruises, vacations, and adventures. You can also piece together a whole package built around how you want to spend your vacation using PNC's dedicated travel specialists. These redemptions start at 5,000 PNC Miles for a value of $50.
Travel Gift Cards
PNC Miles can be used to redeem travel related gift cards. This includes airlines, hotel stays, and cruises. The value for travel gift cards vary, but redemptions average out around 0.75 cents each. Redemptions start at 3,350 miles. I recommend using your points for either travel purchases or through the rewards center. If you're looking to gift 'travel', you could possibly pay for the travel (or a portion of it) and then apply your PNC Miles so you can get the best value.
PNC Miles can be turned into cash at a low rate of 0.5 cents per point. This means the 2x points you're earning on this card would be worth 1 cent making it a 1% cash back card if you take this route. If you're looking for a cash back card, pick up a good 1.5% cash back card like the no annual fee Capital One Quicksilver. You can even earn 2% cash back with the Citi Double Cash Card which also has no annual fee.