PNC points Visa Credit Card Review

PNC points Visa Credit Card is a rewards credit card issued by PNC Bank. If you're wondering whether PNC points Visa Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

• Generous reward rate. You will get a a rewards rate of up to 4x.
• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
• Competitive APRs. PNC points Visa Credit Card has a variable purchase APR that ranges from 13.74% up to 23.74%.
• No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
• 3% Balance transfer fee. PNC points Visa Credit Card charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $5.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
• Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.

PNC points Visa Credit Card Pros and Cons:

The Good	The Bad
Lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 12 months. 0% APR on new purchases during the first 12 months. No annual fee. Travel accident insurance. Cardholders can earn rewards on their purchases. PNC points Visa Credit Card reports to multiple credit bureaus. Cardholders can earn rewards on their purchases.	Does not offer a signup bonus. Charges a foreign transaction fee of 3%. You don't earn rewards on every purchase. Charges a 3% balance transfer fee.

Is there a PNC points Visa Credit Card cash back or rewards program?

PNC points Visa Credit Card offers a rewards program to its customers.

PNC points Visa Credit Card Rewards

Rewards rate (all purchases)	4%
Max rewards rate	4%
Annual rewards limit	N/A
Signup Bonus ($)	N/A

What are the PNC points Visa Credit Card benefits?

PNC points Visa Credit Card provides the following benefits:

• Emergency Support
• Zero fraud liability
• Travel Accident Insurance
• Reports to major credit bureaus

What are the relevant APRs for PNC points Visa Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. PNC points Visa Credit Card has lower than average purchase APRs.

PNC points Visa Credit Card has a variable purchase APR that ranges from 13.74% up to 23.74%. The card has a variable balance transfer APR that ranges from 13.74% up to 23.74%. It also has a variable cash advance APR of 24.74% . Note that late payments are subject to an APR of 30.74% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the fees for PNC points Visa Credit Card?

The following fees apply to PNC points Visa Credit Card:

PNC points Visa Credit Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	3%
Returned Payment Fee	up to $38
Late Payment Fee	up to $38

Does PNC points Visa Credit Card report your account activity to credit bureaus?

PNC points Visa Credit Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit.

How to apply for PNC points Visa Credit Card

• Visit the PNC points Visa Credit Card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.
• If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.