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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
Purchase APR  (Variable APR) 12.99% - 24.99%
Balance Transfer APR  (Variable APR) 12.99% - 24.99%
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.

Key Takeaways
  • 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.
  • 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 12.99% up to 24.99%.
  • 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
  • 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.
  • Multiple credit card perks.
  • Identity Theft Protection.
  • Travel accident insurance.
  • Cardholders can earn rewards on their purchases.
  • PNC points Visa Credit Card reports to multiple credit bureaus.
  • Charges a foreign transaction fee of 3%.
  • Charges a 3% balance transfer fee, if you transfer the balance within 90 days of opening the account. After the introductory period, the fee is 4% of the balance transferred or $5, whichever is greater.
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.

PNC points Visa Credit Card Rewards
Minimum rewards rate 4x
Max rewards rate 4x
Annual rewards limit 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. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 12.99% up to 24.99%. The card has a variable balance transfer APR that ranges from 12.99% up to 24.99%. It also has a variable cash advance APR of 24.99% . Note that late payments are subject to an APR of 28.99% 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.

PNC points Visa Credit Card Balance Transfers
Description
Balance Transfer Fee % After Intro Period 4%
Balance Transfer Fee Intro Period 90 days
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 12.99% - 24.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

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

PNC points Visa Credit Card Purchase Intro Offer
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:

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

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.

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.

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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From PNC points Visa Credit Card

Earn bonus points with an eligible PNC Checking account when you meet additional requirements.

Redeem your points for thousands of valuable rewards – including cash, travel, merchandise, gift cards and more.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 6:00pm
  • Tuesday 9:00am - 6:00pm
  • Wednesday 9:00am - 6:00pm
  • Thursday 9:00am - 6:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 10:00am - 2:00pm

Other Services by PNC Bank

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Availability

  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

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 $10
Cash Advance Fee (%) 5%
Minimum Cash Advance Fee ($) Up to $10
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
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
Rewards Categories
  • 4x Points on Every Purchase
Signup Bonus (points) 50,000
Cash Advance APR (Variable APR) 24.99%
Balance Computation average daily balance (including new purchases)
Penalty APR (Variable APR) 28.99%
Purchase APR (Variable APR) 12.99% - 24.99%
Balance Transfer Fee % After Intro Period 4%
Balance Transfer Fee Intro Period 90 days
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 12.99% - 24.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Balance Transfer
  • Rewards
  • Zero Percent
Card Network Visa

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