Credit Cards » Credit Card Reviews » PNC Points Visa Card Review 2021
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PNC Points Visa Card Review 2021

PNC points cards can be a great choice especially for current PNC customers who can benefit extra points and bonuses - but not only.

We may receive compensation from companies that appear on this page. This may impact how and where products appear on a page (including, for example, the order in which they appear). It doesn’t affect our unbiased editors’ opinions. our opinions are our own.

Table of Contents

 The PNC points® Visa® Credit Card comes in a bag of goodies for its users. From the 50,000 bonus points within the first three billing cycles after account opening to 4 bonus points per $1 on purchases and 25%, 50%, and 75% bonus on all base points.

There are many exciting rewards and bonuses to be won with this credit card. These points are redeemable for gift cards, cash, electronics, name-brand merchandise, and travel services.

Clients are not required to pay yearly transaction fees and once an account is opened, it automatically enrolls you into the PNC points® Program. There is no limit to the number of points you can win; however, they expire at the end of the forty-eight month after they were added to your PNC points account.

The card integrates seamlessly with the PNC online banking and virtual wallet, which makes it easy to manage or oversee finances effectively. The card has a contactless payment feature where you pay in seconds without swiping or inserting your card at the checkout terminal. All you have to do is tap where you see the contactless symbol. There is no need to worry about security with the contactless payment medium because it is just as secure as inserting your card for POS transactions.

PNC Point Visa Card
pnc point visa card review

On PNC Point's Secure Website

Rewards Plan

4 points per $1 on purchases

Sign up Bonus

50,000 bonus points

0% Intro

12 billing cycles for purchases and balance transfer

PROS

CONS

APR

11.99% - 21.99%

Annual Fee

$0

Balance Transfer Fee

$5 or 3%

Credit Requirements

Excellent

The PNC Easy Lock feature helps to protect against fraudulent activities on your account in case your card gets lost or stolen. By locking the card, you keep it from being used for unauthorized transactions like purchases, cash advances, or withdrawals. There is also zero fraud liability protection where you're not held responsible for fraudulent charges on your account.

The PNC points® Visa® Credit Card has a few drawbacks like the foreign transaction fee of 3% of the amount in US Dollars, which leads to extra costs for persons who frequently patronize foreign merchants. The rewards rate isn’t as generous as it seems because the point value isn’t worth much. A balance of 50,000 points from this card will give you $100 cash, but contemporary cards will redeem up to $500 for the same number of points. Also, late and returned payments attract penalty charges up to 38$.

This card is suitable mainly for PNC customers looking for a product that offers multiple bonuses and rewards.

Card & Issuer Reputation

  • 3.2/5  on WalletHub customer reviews (+200 reviews): WalletHub customer reviews allow customers to post positive, negative or neutral reviews about marketplace experiences.
  • J.D Power: PNC bank wasn't rated on J.D. Power credit card satisfaction survey.  J.D Power offers the most comprehensive and independent study of customer satisfaction of card issuers . The study aims to help consumers and issuers to understand user opinions and ratings of the largest bands. It covers terms, benefits, services, communication, rewards and more.

J.D. Power U.S. Credit Card Satisfaction Study 2020

In order to avoid bias based on a small number of reviews, we present only ratings with at least 200 reviews.

Benefits

Let’s take a look at the benefits of this credit card and see if it’s the right one for your wallet or not.

There is no limit to the number of points to be won with this credit card. You can earn up to 50,000 bonus points within the first three billing cycles after account opening, after making $750 or more in purchases within the first three billing cycles.

Clients have automatic enrollments into the PNC points program after opening their accounts and these points are redeemable within forty-eight months of entering the account.

   There are no annual fees required to continue using the card, which is an added plus because most credit cards charge yearly fees to recoup costs spent on rewards and bonuses.

If your card ever gets lost or stolen, you can use the easy lock feature to protect against unauthorized activities including purchases, cash advances, and withdrawals. Once the card is found or replaced, you can easily unlock the account.

There is a 0% introductory APR for the first twelve billing cycles for purchases and balance transfer, then 11.99% to 21.99%, based on creditworthiness. This feature may be helpful for clients who want to make significant purchases with enough time to pay back the debt.

You earn 4 bonus points for every $1 on purchases, and 25%, 50%, and 75% bonus on all base points when you maintain a performance checking account or a virtual wallet performance spending or checking account.

Clients PNC points can be redeemed for thousands of gift cards from various vendors, apple store products, or to book flights, hotels, car rentals, and other travel services.

Contactless payment is a recent IT development that uses short-range NFC (near field communication) technology to securely complete payments between a contactless card and a contactless-enabled checkout terminal.

All you have to do is tap your card at a contactless-enabled terminal and the payment is sent for authorization. Your PNC points® Visa® Credit Card has this feature.

 This card has 0$ fraud liability protection where users aren’t held accountable for unauthorized charges on their accounts. This feature is to protect the card owner against fraud; however, the bank requires the client to use reasonable care to protect the card against loss or theft.

Drawbacks

Let’s take a look at the drawbacks of this credit card and see if it’s the right one for your wallet or not.

The Citi Diamond Preferred Card is not the best card to use on international purchases. The 3% transaction fees may not seem expensive, but if you make enough foreign transactions, the numbers add up.

Card owners that make late payments and returned payments are charged to pay penalty fees up to 38$. This fee is significantly high compared to contemporary products.

Application Process

Visit the site at pnc.com and click on the ‘Apply Now’ button to get started.

PNC Point

Get started by clicking the yes or no option to answer the question. Click ‘continue’ to proceed. 

PNC Point

Fill the applicant information form by providing personal details such as your name, address, social security number, e-mail, phone number, date of birth, housing details, and employment status.

PNC Point

Scroll down to add your co-applicant information (optional), and click ‘Continue' to proceed. 

PNC Point

Review your details and the terms and conditions. Tick the two boxes to show that you accept the conditions and click ‘ Submit’ to receive their decision concerning your application. 

PNC Point

Your application is now under review and you will be contacted via mail for the next step.

PNC Point

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.