Quick Overview
- Flexible Redemption Options: Redeem PNC miles for travel, gift cards, or cash back.
- Best Value: Miles are worth 1 cent each when redeemed for travel, whether booked through the PNC Rewards Center or charged to your PNC credit card.
- Lower Value Alternatives: Cash back and gift card redemptions provide a reduced value of 0.75 cents per mile, making them less optimal.
Use our PNC Miles To Dollars Calculator to determine how much miles are worth when redeemed for travel, cash back, and gift cards.
PNC Miles value
How much are PNC miles worth? PNC miles value averages around 1 cent per mile when redeemed for travel. This means that 10,000 miles are equal to about $100 in value.
Here's the breakdown on how much PNC miles are worth:
| Redemption Option | Average Value (in cents) |
|---|---|
| Redeeming towards travel purchases made to the card | 1 |
| Booking travel through the PNC Rewards center | 1 |
| Gift card redemptions | 0.75 |
| Cash back redemptions | 0.75 |
Redeeming miles towards 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.
Redeeming miles in the 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.
Redeeming miles towards 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 miles 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.
Redeeming miles for cash back
PNC miles can be turned into cash at a low rate of 0.5 cents per point. This means the 2x miles you're earning on this card would be worth a total 1 cent in value making it a 1% cash back card.
I would steer clear of this redemption and recommend picking up a cash back credit cards in which many options will earn you significantly more than 1% back.
PNC miles to dollars calculator
Use the PNC Miles Value Calculator to determine the average cash value of miles based on the redemption. This will give you an idea of how much your miles are worth.
Calculator: How much are your PNC miles worth?
| Redemption | Average Dollar Value |
|---|---|
| Redeeming towards travel purchases made to the card | $0 |
| Booking travel through the PNC Rewards center | $0 |
| Gift card redemptions | $0 |
| Cash back redemptions | $0 |
Average redemption value
The table below lists the value of PNC miles for several denominations when valued at an average of 1 cent per mile.
| PNC Miles | Cash Value |
|---|---|
| 1 Mile | $0.01 |
| 1,000 Miles | $10 |
| 2,500 Miles | $25 |
| 5,000 Miles | $50 |
| 10,000 Miles | $100 |
| 20,000 Miles | $200 |
| 25,000 Miles | $250 |
| 50,000 Miles | $500 |
| 60,000 Miles | $600 |
| 75,000 Miles | $750 |
| 100,000 Miles | $1,000 |
How does PNC miles value compare?
Here's how PNC miles value stack up against other leading travel rewards programs:
PNC miles offer average value for travel redemptions, capped at 1 cent per mile. However, they lack flexibility—they cannot be converted into other types of rewards or redeemed outside of PNC’s channels, limiting their overall utility.
Better alternatives for flexibility and value
For greater flexibility and higher redemption potential, consider Capital One’s Venture Rewards & Spark Rewards program. These cards:
- Earn more value per $1 spent compared to PNC miles.
- Allow redemptions toward any type of travel, providing unmatched versatility.
- Offer the option to transfer miles to travel partners, unlocking even higher value.
If flexibility and maximizing your rewards are priorities, Capital One’s Venture and Spark Rewards are excellent alternatives to PNC miles.
Here are the travel cards Capital One offers:
- Earn 10X Miles on hotels and rental cars booked through Capital One Travel
- Earn 5X Miles on flights and vacation rentals booked through Capital One Travel
- Earn an unlimited 2X Miles on all other purchases
- Receive a $300 annual credit for bookings through Capital One Travel
- 10,000 bonus miles annually starting on your first anniversary (worth $100 towards travel)
- Access to Capital One Lounges and Priority Pass Lounges
- Up to $120 towards a Global Entry or TSA Precheck application fee
- $395 annual fee
- Card Value & Venture X Miles Calculator
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Earn an unlimited 2X miles on all other purchases
- Two complimentary lounge visits per year to Capital One Lounges or Plaza Premium Lounges
- Up to $120 towards a Global Entry or TSA Precheck application fee
- $95 annual fee
- Card Value & Venture Miles Calculator
- Earn 5X miles on hotels and rental cars booked through Capital One Travel
- Earn an unlimited 1.25X miles on all other purchases
- No annual fee
- Card Value & VentureOne Miles Calculator
- Earn 10X Miles on hotels and rental cars booked through Capital One Travel
- Earn 5X Miles on flights and vacation rentals booked through Capital One Travel
- Earn an unlimited 2X Miles on all other purchases
- Receive a $300 annual credit for bookings through Capital One Travel
- 10,000 bonus miles annually starting on your first anniversary (worth $100 towards travel)
- Access to Capital One Lounges and Priority Pass Lounges
- Up to $120 towards a Global Entry or TSA Precheck application fee
- $395 annual fee
- Card Value & Venture X Business Miles Calculator
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Earn unlimited 2X miles on every card purchase
- Up to $120 towards a Global Entry or TSA Precheck application fee
- $0 the first year, then $95
- Card Value & Spark Miles Calculator
- Earn 5X miles on hotels and rental cars booked through Capital One Travel
- Earn unlimited 1.5X miles on every card purchase
- No annual fee
- Card Value & Rewards Calculator
FAQs
How much are PNC miles worth?
PNC miles are worth 1 cent each when redeemed towards travel purchases and worth 0.75 when used for gift cards and cash back.
We've run the calculations and checked them twice — here are the credit cards that consistently provide outstanding value to our users:
- Best flexible travel card: Capital One Venture Rewards Credit Card
- Best overall value year after year: Chase Sapphire Preferred® Card
- Best for high cash back: Blue Cash Preferred® Card from American Express
- Best for foodies: American Express® Gold Card
- Best for business travel rewards: Ink Business Preferred® Credit Card
- Best for heavy business spenders: Capital One Spark Cash Plus
