Home / Browse Cards / PNC points® Visa® Credit Card
PNC points® Visa® Credit Card
PNC

PNC points® Visa® Credit Card

A no-annual-fee cash back card from PNC.

Cash back only
Annual fee
No annual fee
Welcome bonus
Up to 100,000 bonus points
Min spend
$1,000 in the first 3 billing cycles
Recommended credit
Good (670+)
Network
Visa
Apply on PNC site6.4/10Our rating · review ›

Rates, fees, and full terms are set by PNC and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.

Before you apply: credit card application and welcome-bonus rules →
Offer last verified July 17, 2026. How we verify.

Is this card right for you?

✓ Best for

people who want a simple, flat rate on every purchase with nothing to track.

⚠ Think twice if

you would rather chase elevated bonus categories than earn one flat rate.

Earning rates

4 points per dollar on every purchase
PNC checking customers can earn 25% to 75% more points
Points redeem for cash, travel, gift cards, or merchandise

Best ways to earn & redeem

Use it as a flat-rate everyday card, since it earns the same on every purchase, and pair it with bonus-category cards for groceries, dining, and travel.

When you cash in, take the rewards as cash back or a statement credit, worth a flat 1 cent each. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.

Features & benefits

No annual fee

Alternatives to the PNC points® Visa® Credit Card

Pairs well with

The PNC points® Visa® Credit Card earns a flat rate on everything, so pair it with a category card or two to earn more where you spend the most.

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the PNC points® Visa® Credit Card lands.

Calculate My Card
Back to all cards