
PNC points Visa Credit Card
in Personal Credit Cards from PNC Bank
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Purchase APR (Variable APR) | 13.74% - 23.74% |
Balance Transfer APR (Variable APR) | 13.74% - 23.74% |
Credit Score Range | 650 - 850 |
Annual Fee | $0 |
PNC points Visa Credit Card Review
This 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 review will provide you with with all the details you need to make a good choice.
- Generous reward rate. You will 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.
- 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 3% on balance transfers. 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.
- Fair or better credit required. You will have good approval oods if your credit score is above650.
The Good | The Bad |
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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 |
Does PNC points Visa Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.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. It has lower than average regular APRs.It 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 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 Introductory APR | 0% |
Balance Transfer Intro APR Period | 12 months |
Balance Transfer APR | 13.74% - 23.74% |
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.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.
Contact
- Headquarters
-
One PNC Plaza 249 Fifth Ave
Pittsburgh, PA 1522 - Visit Site
Other Services by PNC Bank

Availability
- 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) |
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