
PNC points Visa Credit Card
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Purchase APR (Variable APR) |
15.24% - 27.24% (Verified 09/07/2022) |
Balance Transfer APR (Variable APR) |
15.24% - 27.24% (Verified 09/07/2022) |
Credit Score Range | 650 - 850 |
Annual Fee | $0 |
PNC points Visa Credit Card Review
This is a rewards card issued by PNC Bank. If you're wondering whether PNC points Visa Credit Card is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get 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.
- Signup bonus. Offers a signup bonus of 50000 points after spending $750 within 3 months that can be redeemed for travel, gifts, or other perks.
- Competitive APRs. PNC points Visa Credit Card has a variable purchase APR that ranges from 15.24% up to 27.24%.
- 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 3% on balance transfers, if you transfer the balance within 90 days of opening the account. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as emergency support, identity theft protection, travel accident insurance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of PNC points Visa Credit Card
The Good | The Bad |
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PNC points Visa Credit Card FAQ
Does PNC points Visa Credit Card have a cash back or rewards program?
PNC points Visa Credit Card is a rewards card.
Minimum rewards rate | 4x |
Max rewards rate | 4x |
Annual rewards limit | N/A |
Signup Bonus ($) | N/A |
Signup Bonus (Points/Miles) | 50000 |
Signup Bonus Spend Requirement | $750 |
Signup Bonus Spend Period (months) | 3 months |
Does PNC points Visa Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus. However, it does include a 50000 points signup bonus after spending $750 that can be redeemed for travel, gifts, or other perks.Does PNC points Visa Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the PNC points Visa Credit Card benefits?
It 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.PNC points Visa Credit Card has a variable purchase APR that ranges from 15.24% up to 27.24%. The card has a variable balance transfer APR that ranges from 15.24% up to 27.24%. It also has a variable cash advance APR of 27.24% . Note that late payments are subject to an APR of 31.24% 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 intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.
Description | |
---|---|
Balance Transfer Fee % After Intro Period | 3% - 4% |
Balance Transfer Fee Intro Period | 90 days |
Balance Transfer Introductory APR | 0% |
Balance Transfer Intro APR Period | 12 months |
Balance Transfer APR | 15.24% - 27.24% |
Balance Transfer Fee Minimum | $5 |
Balance Transfer Fee % | 3% |
Does PNC points Visa Credit Card have an intro APR offer on new purchases?
Description | |
---|---|
Introductory Rate | 0% |
Purchase Intro APR Period | 12 months |
This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 12 months.
What are the fees for PNC points Visa Credit Card?
The following fees apply:
Fees | Amount |
---|---|
Annual Fee | $0 |
Foreign Transaction Fee | 3% |
Returned Payment Fee | up to $38 |
Late Payment Fee | up to $38 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
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 foreign transaction fees.What is the customer service phone number for PNC points Visa Credit Card?
The PNC points Visa Credit Card customer service number is (888) 762-2265.
What is the support contact email for PNC points Visa Credit Card?
The support contact email for PNC points Visa Credit Card is info@pnc.com.
What is the PNC points Visa Credit Card login page?
You can access the PNC points Visa Credit Card login page here.
How do people rate the customer service and user experience of PNC points Visa Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does PNC points Visa Credit Card report your account activity to credit bureaus?
Yes, 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 may 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Message From PNC points Visa Credit Card
Contact
- Headquarters
-
One PNC Plaza 249 Fifth Ave
Pittsburgh, PA 1522 USA - (888) 762-2265
- Visit Site
- Email Support
Other Services by PNC Bank
Other Credit Cards by PNC Bank
Availability
- Alabama
- Delaware
- Florida
- Georgia
- Illinois
- Indiana
- Kansas
- Kentucky
- Maryland
- Michigan
- Missouri
- New Jersey
- New York
- North Carolina
- Ohio
- Pennsylvania
- South Carolina
- Texas
- Virginia
- Washington, DC
- West Virginia
- Wisconsin
Feature Breakdown
Introductory Rate | 0% |
Purchase Intro APR Period (Variable APR) | 12 months |
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