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About Our Ratings
Credit Needed
Excellent

PNC Bank points® Visa® Credit Card Review

Top Features

Points or Miles
Bonus Miles or Points
Purchase APR
12.49% to 22.49% (Variable) 
Annual Fee
None

This card compared to other travel rewards cards

Card Name
PNC Bank points® Visa® Credit Card
Points or Miles
1.5 Miles per dollar on all purchases
2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide
Bonus Miles or Points
We'll match all the miles new cardmembers have earned at the end of their first year. No purchase caps or minimums. No signing up. And no limit. Only for new cardmembers.
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards(R)
Purchase APR
12.49% to 22.49% (Variable) 
11.74% - 23.74% Variable 
16.74% - 23.74% Variable 
Annual Fee
None
$0
$0 Intro for the First Year. Then $95
CardRatings.com Editorial Staff

PNC Bank points® Visa® Credit Card details

Balance Transfer Intro APR:
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
Balance Transfer Intro Period:
APR:
12 billing cycles
Balance Transfer Fee:
Either $5 or 3% of the amount of each balance transfer, whichever is greater
Annual Fee:
None
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 8.74% - 18.74%
 8.74% - 18.74%
 18.74%
APR:
  12.49% to 22.49% (Variable)
 12.49% to 22.49% (Variable)
 22.49% (Variable)
APR Floor:
 N/A
 N/A
 N/A
Intro Rate:
 0% introductory APR for the first 12 billing cycles following account opening
 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
 N/A
Intro Period:
 12 billing cycles
 12 billing cycles
 N/A


Finance Calculation Method:
 Average Daily Balance (including new purchases)
Default/Penalty APR:
 29.49% (Variable); If your APRs are increased for the stated reason, the Penalty APR will apply until you make six consecutive minimum payments when due
Default/Penalty Margin:
 25.74%
Default/Penalty APR Floor:
 N/A
Maximum Default APR:
 (Variable)
Penalty/Default Trigger:
 The Penalty APR may be applied to your account if you make a late payment.

Credit Card Fee Information:


Annual Fee:
 None
Foreign Transaction Fee:
 3% of each foreign transaction amount in U.S. dollars
Late Fee:
 Up to $35
Over-the-limit Fee:
 None
Balance Transfer Fee:
Either $5 or 3% of the amount of each balance transfer, whichever is greater  


Notes:

Rebate Description:
 Earn 4 points for every $1 in qualifying purchases. Earn even more points with a qualifying PNC Virtual Wallet or PNC Checking account relationship. Redeem your points for thousands of valuable rewards – including cash, name brand merchandise, travel, and more.
Special Notes:
 Returned Payment Fee: Up to $35.
Credit Card More Information:

Card Issued By:
 PNC Bank, National Association
General Correspondence Address:

Card Type:
 Visa
Card Class:
 Other
Card Category:
 Travel Rewards
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

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Apply online for Discover it® Miles

Discover it® Miles

  • We'll match all the Miles you've earned at the end of your first year. Bonus Miles - For example, if you earn 30,000 Miles, you get 60,000 Miles.
  • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your rewards in any amount for cash or a travel credit.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your FICO(R) Credit Score for free on monthly statements, on mobile and online.
  • No Annual Fee.
  • Click "APPLY NOW" to see rates, rewards, FICO(R) Credit Score terms, Discover Match(R) details & other information.
Credit Needed:
Excellent, Good
Apply online for Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards(R)
  • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Credit Needed:
Excellent/Good