Learn How to Apply for a PNC Credit Card – PNC Points Visa

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If you want your option for travel, gift cards, merchandise, and more, then Visa credit card PNC points are for you. The PNC points Visa provides PNC banking customers with a reward rate of four points per dollar earned and points rewards of up to 75%. 

This provides plenty of options for redemption points, but points have a fairly low value, expire four years later, and can not be transferred. 

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Even the card provides few additional features, including travel-related ones. Read this blog to know more about this amazing credit card! 

Learn How to Apply for a PNC Credit Card - PNC Points Visa
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PNC Points Visa: Features

The PNC points Visa provides good incentives for points. All purchases earn four points per dollar on a flat rate. 

And, where some other cards only offer high points earning rates on selected categories, the PNC points Visa offers them universally, without having to activate or track bonus categories to receive them. 

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When you bank with PNC, this card is more valuable. You will receive further bonus points for getting a qualified PNC Bank checking account and meeting minimum deposit and balance requirements between 25% and 75%. 

Features of the Credit Card

Points received with this card can be used in a number of ways, including gift card redemption, hotel stays, and rental cars. You may also use the points to make PNC Pay transactions.

The PNC points Visa credit card is better designed for PNC banking clients, who will receive discounts of up to 75% on the rewards received by the card. 

These incentives help make the relatively common rewards of this card more enticing and competitive with those of rivals, as the 75% bonus will net 3 additional points per dollar spent or cumulative value of about 1.54 cents each (higher than the 1.5% cashback cards that are more normal on the market).

How to Apply 

You may be required to include the following details during the application process: your first and last name, date of birth, address, Social Security Number, monthly housing payment, and total annual income.

You will receive an immediate response, and your card will arrive within 7-10 business days if it is accepted. You may apply for this credit card regardless of whether you bank with PNC if you live in the District of Columbia or any of the states that are listed on their site.

Interest Rates and Fees

The PNC Points Visa credit card is a great option if you are considering different credit cards. However, make sure to consider all of the rates and fees that will accompany this card.

  • APR for purchases: 0% introductory APR for first 12 billing cycles, then it will 11.99% – 21.99% based on your creditworthiness
  • APR for balance transfers: 0% introductory APR for first 12 billing cycles, then it will 11.99% – 21.99% based on your creditworthiness
  • APR for cash advances: 22.99%
  • Penalty APR: 28.99% if you have a late payment
  • No annual fee
  • Balance transfer fee: either $5 or 3% (for first 90 days), whichever is greater, then $5 or 4% of each transfer, whichever is greater
  • Cash advance fee: either $10 or 5% of the amount of each cash advance, whichever is greater
  • Foreign transaction fee: 3% of each foreign transaction

Contact Info

Learn How to Apply for a PNC Credit Card - PNC Points Visa
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If you would like to get in contact with a PNC Bank representative, you can by reaching them at 412-803-7711. We have also listed PNC’s mailing address below for you.

300 Fifth Avenue 

The Tower at PNC Plaza 

Pittsburgh, PA 15222-2707 US

Conclusion

The Visa PNC points receive surprisingly low incentives. It still rewards you with less than one cent per dollar spent, with earnings of 4 points per dollar spent, with each point worth less than a quarter of a cent. 

Virtually any other card on the market has a higher rate of earnings than that. Also, with this card, the rewards are fairly small for PNC banking customers who apply for points incentives.

Disclaimer: There are risks involved when applying for and using credit products. Ensure you consult the bank’s terms and conditions page before agreeing to anything.

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