PNC Points & Miles Value

Calculate the average cash value of PNC Points and PNC Miles earned in the PNC Rewards Programs and get the list of redemption options.
Updated 2020-12-28 By Robert Flowers III

PNC offers two rewards currencies across their PNC Rewards programs: PNC Points and PNC Miles. The PNC Miles program offers the best value of 1 cent each when redeeming your miles towards travel and the PNC Points program offers the best value of 0.25 cents per point when redeeming for cash back. Both programs are outshined by the PNC Cash Rewards Card.

PNC Points Value Calculator

Use the PNC Points Value Calculator to calculate the average cash value of PNC Points based on the redemption options listed. You can enter any amount of PNC Points in the calculator.

PNC Points Value Calculator

Enter any amount of points to see the average cash value.
Points
Travel
~0.25 cents
$0
Gift Cards
0.22 cents
$0

Travel

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.

Gift Cards

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.

Merchandise

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 Calculator

Use the PNC Miles Value Calculator to calculate the average cash value of PNC Miles based on the redemptions listed. You can enter any amount of miles in the calculator below.

PNC Miles Value Calculator

Enter any amount of miles to see the average cash value.
Miles
Travel
1 cent
$0
Gift
~0.75 cents
$0
Cash
~0.5 cents
$0

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.

Cash Redemption

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.

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