Over $150,000,000 of debt paid off, and counting...

Join other Bright customers who are paying off thousands of dollars of debt.

PNC points® Visa® Credit Card

Credit needed
Good
APR
11.99% up to 21.99%
Annual Fee
$0

Card Summary

PNC points Visa Credit Card can be used as a reward credit card. Earn four points for every dollar spent and earn bonus points that range from 25 to 75% depending on how long you have been with PNC Bank. The card comes with a $0 annual cost and a 12 month 0% introductory rate.

Balance transfers within the first 90 days will be subject to a variable APR of between 11.99% and 21.99%. This APR is determined by your creditworthiness.

It may vary depending on how the prime rate affects the market. The cardholders have travel protection, emergency protection, and liability of zero dollars for fraud.

Card Summary - Cons

Rates and fees

Issuer Name
PNC
Penalty APR
28.99%
Credit Needed
Good
Balance Transfer Fee
N/A
Annual Fee
$0
Cash Advance Fee
You can choose to pay $10 or 5% on each cash advance amount, depending on which is higher.
APR
11.99% up to 21.99%
Foreign Transaction Fee
Each foreign transaction in dollars equals 3%
Bright-Money-logo

Here’s a smart way to pay off

PNC

The Best Features

Annual fee: The PNC points Visa Credit card will charge $0 annually.Based on the relationship you have with PNC Bank, bonus points can be earned from 25% to 75%.

You can get 50 percent more points if your Performance Checking or Virtual Wallet has Performance Spend requirements and you have 100 points.

Zero percent intro APR: The PNC points Visa Credit Card offers a zero percent introductory rate for purchases, balance transfers and purchases within the first twelve months.

The standard APR on balance transfers and purchases is variable from 11.99% to 21.99% based upon creditworthiness. This APR may vary depending on market conditions.

Rewards

Sign up bonus

APR Requirements

Drawbacks

Transfer fee for balance and limitation of time: Potentially high APR.

Sign-up Bonus: There is no sign-up bonus for the PNC points Visa Credit Card.

Highlights

After you spend $750 or more during your first three billing cycles after opening an account with PNC points Visa Credit Card, you will earn 50,000 bonus point. Spend $1 to earn 4 points25 percent bonus point on the base points earned in a billing cycle if you have a Virtual Wallet Performance Spend or Virtual Wallet Performance Select account.

You can earn 50% bonus points for base points earned in each billing cycle if you have a Performance checking account or Virtual wallet with Performance Spend.

If you have a Performance select checking account or Virtual wallet with Performance Select, you can earn 75% bonus points for base points earned in a billing cycle.

Multiple Rewards: You can redeem your points to get gift cards, car rental, hotel stay and many other benefits

Integration seamless with PNC Online Banking & Virtual Wallet Visa Credit Card Benefits with PNC Points:

Emergency protection and travel

Fraudulent charges are subject to zero dollar fraud liability.

Benefits

Comparative Analysis with Other Cards

Chase Freedom Flex vs. PNC Points Visa Credit Card

Annual fees: There is no annual fee for either card.

Rewards: You can get four points for every dollar you spend using the PNC Visa Credit Card. Chase Freedom Flex offers a 5% cashback on purchases up to $1500 combined in bonus categories every quarter that you activate. Chase Ultimate Rewards also gives you 5%, 3% and 1% for all purchases.

Sign up bonus: There is no sign-up bonus for the PNC points Visa Credit Card. After you have spent $500 in the first three months of account opening, Chase Freedom Flex will give you $500 cash back. You will receive a $200 bonus for signing up.

Benefits: The PNC points Visa Credit Card offers travel protection, emergency protection, and zero liability for fraud. You will have zero liability for any unauthorized charges or extended warranties.

American Express PNC Points Visa Credit Card vs. the Blue Cash Preferred Card

Annual fee: PNC points Visa Credit Card charges $0 annually. American Express Blue Cash Preferred Card has an $0 annual fee. Then, there is a $0 annual fee. Annual fee.

Earn Rewards: Get four points for every dollar you spend on the PNC Visa Credit Card. The Blue Cash Preferred card from American Express will give you 6% cashback on purchases up to $6,000 per year in U.S. supermarkets (then at 1%), 6% cashback on selected U.S. streaming subscriptions and 3% cashback at U.S. gasoline stations.

You can also get 1% cashback on all other purchases (including taxis and ride-hailing service, parking, and buses).

Sign-up bonus: PNC points Visa Credit Card offers no welcome bonus. After you have spent $3,000 on purchases with the Blue Cash Preferred card from American Express, $300 will be added to your statement.

Benefits: Cardholders can enjoy travel protection, emergency protection, and zero dollar fraud liability for fraudulent charges with the PNC points Visa Credit Card.

Cardholders who have the American Express Blue Cash Preferred Card will receive benefits such as car rental damage and insurance, fraud protection and a hotline for assistance.

Redeeming Rewards

Maximizing Rewards

Annual Fees

Conclusion

Bright-Money-logo

No late fees. Reduced interest charges. Pay off

PNC