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  PNC points Visa Credit Card

PNC points Visa Credit Card

in Personal Credit Cards from PNC Bank

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PNC points Visa Credit Card

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in Personal Credit Cards from PNC Bank

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Highlights
Highlights
Balance Transfer APR  (Variable APR) 13.74% - 23.74%
Credit Score Range 650 - 850
Annual Fee $0
Purchase APR  (Variable APR) 13.74% - 23.74%

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

Does PNC points Visa Credit Card have a signup bonus?

PNC points Visa Credit Card doesn't offer a cash signup bonus.

Does PNC points Visa Credit Card offer an annual loyalty bonus?

PNC points Visa Credit Card doesn't offer a cash loyalty bonus.

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.

Does PNC points Visa Credit Card have an introductory APR offer on balance transfers?

Yes, PNC points Visa Credit Card offers an introductory APR rate on balance transfers of 0% for a period of up to 12 months.

PNC points Visa Credit Card Balance Transfers
Description
Balance Transfer APR 13.74% - 23.74%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period (months) 12
Balance Transfer Fee % 3%
Balance Transfer Fee Minimum $5

Does PNC points Visa Credit Card have an introductory APR offer on new purchases??

This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 12 months.

PNC points Visa Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period (months) 12

What are the PNC points Visa Credit Card fees?

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 have a foreign transaction fee?

PNC points Visa Credit Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

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 score.

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.

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Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 21 states and Washington, D.C.
  • Alabama
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Maryland
  • Michigan
  • Missouri
  • New Jersey
  • New York
  • North Carolina
  • Ohio
  • Pennsylvania
  • South Carolina
  • Texas
  • Virginia
  • West Virginia
  • Wisconsin

Feature Breakdown

Every Purchase (Points) Earn 4 points per $1 on purchases. (optional bonus from 25% to 75% on top of 4x points by maintaining certain PNC account requirement)
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 21 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 5%
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $1.50
Returned Payment Fee Up to $38
Late Fee Amount Up to $38
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Card Type
  • Balance Transfer
  • Rewards
  • Zero Percent
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Emergency Support  
Travel Insurance  
Fraud Liability  
Credit Card Benefits
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
Cash Advance APR (Variable APR) 24.74%
Balance Computation average daily balance (including new purchases)
Penalty APR (Variable APR) 30.74%
Purchase APR (Variable APR) 13.74% - 23.74%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 13.74% - 23.74%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

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Balance Transfer APR 14.74% - 24.74%
(Variable APR)
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Annual Fee $0 Annual Fee
Purchase APR 14.74% - 24.74%
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Balance Transfer APR 11.74% - 21.74%
(Variable APR)
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Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 11.74% - 21.74%
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Credit Score Range 700 - 850     300 850
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