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PNC Points Visa Review

PNC Points Visa Review

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated Feb 27, 2020. Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

If you have excellent/good credit and are looking for a card that offers generous rewards and a sign-up bonus, you might be considering the PNC Points® Visa® Credit Card. Just be aware that while this card can earn you a lot of points, the redemption value isn’t as good as you can find elsewhere. We’ll take a look on what this card offers and whether it’s a good fit for your spending needs.

PNC Points® Visa® Credit Card pros

Generous rewards rate. Earn 4 points per $1 on purchases. That’s a higher flat rewards rate for every purchase than you’ll find on many competing credit cards.

Plus, depending on if you have other PNC accounts, and if you meet certain requirements for spending, minimum balances and direct deposits, PNC offers opportunities to earn 25%, 50% or even 75% bonus points on top of the base points you’d normally earn.

Points can be redeemed for the following options:

  • Travel
  • Cash back
  • Gift cards
  • Merchandise

Sign-up bonus. Earn 50,000 bonus points after you make $750 or more in purchases during the first 3 billing cycles following account opening .

Intro 0% APR. On purchases, there is a 0% introductory APR for the first 12 billing cycles following account opening. After, a 13.49% to 23.49% variable APR applies. On balance transfers, there’s also a 0% introductory APR for the first 12 billing cycles following account opening when the balance is transferred within the first 90 days following account opening. After, a 13.49% to 23.49% variable APR applies.

PNC Points® Visa® Credit Card cons

Low value per point. This card can earn you a lot of points, but they aren’t worth as much as those earned on some competing cards. For example, you’ll need 11,793 points earned on the PNC Points® Visa® Credit Card if you want a $25 Walmart gift card. In that instance, you’d be getting a value of just a bit more than one-fifth of a cent for each point. By contrast, competing cards such as the Wells Fargo Propel American Express® card offer a value of 1 cent per point when redeemed, or 2,500 points for a $25 gift card (see below).

Points expire. Your points will expire if you haven’t used them within 48 months from when they were added to your PNC points account.

Additional PNC Points® Visa® Credit Card benefits

No annual fee. Don’t worry about paying an annual fee to carry this card, because there is none. That means as long as you don’t incur interest charges by carrying a balance, all the rewards you earn on your purchases are net money back in your wallet.

PNC Easy Lock. If you’ve misplaced your card, you can lock and unlock it in real time using the mobile app or via PNC’s online banking. Note that locking your card is not the same as reporting your card lost or stolen. If your card has been lost or stolen, you should call PNC at 1-800-558-8472.

Compare it to the Wells Fargo Propel American Express® card

The Wells Fargo Propel American Express® card is another card that can earn you rewards points at a generous rate. Here’s how it compares to the PNC Points® Visa® Credit Card:

PNC Points® Visa® Credit Card vs. Wells Fargo Propel American Express® card

 PNC Points® Visa® Credit CardWells Fargo Propel American Express® card
Welcome offerEarn 50,000 bonus points after you make $750 or more in purchases during the first 3 billing cycles following account opening .Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value
RewardsEarn 4 points per $1 on purchases.Earn 3X points on eating out, ordering in and popular streaming services, 3X points on gas stations, rideshares and transit, and 3X points on travel including flights, hotels, homestays and car rentals. Earn 1X points on other purchases.
Annual feeNone$0
Foreign transaction fee3% of each foreign transaction amount in U.S. dollarsNone
Purchase APR0% introductory APR for the first 12 billing cycles following account opening. After, a 13.49% to 23.49% variable applies.Intro APR of 0% for 12 months. After, an APR of 13.99%-25.99% (variable) applies.

Though the PNC Points® Visa® Credit Card earns more points per $1 spent, Wells Fargo Propel American Express® card cardholders earn Go Far Rewards points, which can be redeemed for cash back, travel, gift cards, merchandise and charitable donations and are worth 1 cent each. You can also transfer Go Far Rewards points to another Wells Fargo account you own, gift them to a fellow Wells Fargo account holder or contribute them toward a shared rewards pool.

The Wells Fargo Propel American Express® card also offers the following helpful benefits:

  • Lost luggage reimbursement
  • Car rental loss and damage insurance
  • Roadside assistance
  • 24/7 travel and emergency assistance, and emergency cash advances
  • Retail protection and extended warranty protection
  • Cellphone protection

Which card is best for you?

The PNC Points® Visa® Credit Card isn’t a bad credit card. For those who have a banking relationship with PNC, it might be worth considering due the ability to earn an even higher rewards rate. However, due to the PNC Points® Visa® Credit Card’s lackluster point value, we think a card such as the Wells Fargo Propel American Express® card will provide better rewards redemptions for most cardholders.


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