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

PNC points Visa Credit Card Review

PNC points Visa Credit Card is a rewards credit card issued by PNC Bank. 

This card is designed for people with fair credit. The minimum credit score to apply is 650. 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.

Pros & Cons of PNC points Visa Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Has an introductory APR rate on balance transfers of 0%.
  • Cardholders can earn rewards on their purchases.
  • Includes emergency support.
  • Travel Accident Insurance.
  • PNC points Visa Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • You don't earn rewards on every purchase.
  • 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?

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

    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 Balance Transfers
    Description
    Balance Transfer APR 13.74% - 23.74%
    Introductory Rate 0%
    Intro APR period (months) 12
    PNC points Visa Credit Card Rates & Terms
    Description
    Balance Computation average daily balance (including new purchases)
    Purchase APR 13.74% - 23.74%
    Credit Limit N/A
    Penalty APR 30.74%
    Cash Advance APR 24.74%
    Security Deposit N/A
    Introductory Rate 0%
    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%
    Balance Transfer Fee 3%
    Minimum Balance Transfer Fee $5
    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.

    SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

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

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