PNC points Visa Credit Card

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

Potentially 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. There is then a variable purchase APR that ranges from 15.24% up to 27.24%. 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%. You don't earn rewards on every purchase. 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 ($)	N/A
Signup Bonus (Points/Miles)	50000
Signup Bonus Spend Requirement	$750
Signup Bonus Spend Period (months)	3 months

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.

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 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.