PNC Rewards At-A-Glance
|PNC Points Value||0.25 cents|
|PNC Miles Value||1 cent|
|Can PNC Rewards Be Transferred To Partners?||No.|
PNC offers personal and business credit cards that earn PNC points and PNC miles. Rewards earned across both programs are best used for travel.
PNC Credit Card Rewards & Value Calculators
Use our credit card calculators to calculate how many PNC credit card points and miles you can earn and the cash value of PNC credit cards based on the monthly and yearly spend amounts you enter, how much you value card benefits, and annual fees.
PNC points® Visa® Credit Card
The PNC points credit card earns 4 points per $1 spent on all purchases with the ability to earn up to a 75% point bonus. Overall, it's a pretty lackluster credit card that will only earn you a 1% to 1.75% return on your spend. You're better off with a no-fee 2% back credit card.
PNC points® Visa® Business Credit Card
The PNC points Visa Business credit card earns 5 points per $1 spent on all purchases. At a value of 0.25 cents per point, you're looking at a very low 1.25% return on your spending. There are plenty of better business cards that have no annual fee that will offer you significantly more value on your business expenses.
PNC Premier Traveler® Visa Signature® Credit Card
The PNC Premier Traveler Card earns 2 miles per $1 spent on all purchases which makes this a 2% back travel card since miles are worth 1 cent each towards travel. While this is great the first year, the annual fee kicks in the second year onward and drags down the overall value of the card.
PNC Travel Rewards Visa® Business Credit Card
The PNC Travel Rewards Visa Business Credit Card offers a 1 mile for every $1 spent on all purchases. At a value of 1 cent each towards travel, this is equal to a very low 1% return in which there are plenty of credit cards that can earn you a better return.
Better Travel Credit Card Options
While PNC does have solid cash back credit cards, their travel rewards credit cards don't offer much for your hard earned dollar. If you're really looking to earn great, flexible rewards that you can use towards travel and much more, check these top cards:
The Venture Card earns 5X miles on car rentals and hotels booked through Capital One Travel and an unlimited 2X miles on all other purchases. These miles can be redeemed for 1 cent each towards any kind of travel.
Unlike the PNC Premier Traveler, miles earned with the Venture Card can be transferred to Capital One's partners meaning that you can convert them to airline miles and hotel rewards points. This not only gives you a bunch more flexibility, but it can also give your miles as much as 2 cents or more in value apiece.
The Citi Double Cash Card earns 1% back on purchases and 1% back when you pay off those purchases for a total of 2% back. It also has no annual fee which makes it a great alternative to the PNC points Visa.
On top of that, if you ever wanted to start redeeming rewards for increased value towards travel, you can pair it with the Citi Premier® Card which will allow you to transfer your rewards to Citi's airline and hotel partners such as JetBlue Airways, Wyndham Hotels, and several 5-star international airlines.
Intro Bonus: No current offer.
The Ink Business Unlimited® Credit Card earns an unlimited 1.5% back on every purchase made by your business. This is more than what both PNC Rewards business credit card offers and it has no annual fee.
Rewards earned with the card can also be redeemed for increased value towards travel if you hold the Chase Ink Business Preferred Card. So if you want to redeem points towards travel, I recommend pairing both cards together.
PNC Points & Miles Value Calculators
PNC Points are worth 0.25 cents towards travel which means that 10,000 points are equal to $25. PNC Miles are worth 1 cent each towards travel which means that 10,000 miles are worth $100.
PNC points can be redeemed for travel, gift cards, and cash back. Find out which redemptions offer the most value and calculate PNC points to dollars for each.
PNC miles can be redeemed for travel, gift cards, and cash back. Find out which redemptions offer the most value and calculate PNC miles to dollars for each.
How much are PNC Rewards worth?
PNC points are worth 0.25 cents each and PNC miles are worth 1 cent each.
Is the PNC Rewards program worth it?
In our opinion, no. PNC Rewards can be a decent option if you already bank with PNC and want to keep everything under the same bank, but there are plenty of credit cards that will earn you a significantly better return on your spending.