Introduction
To redeem points, the card offers a wide variety of options; however, the points are worthless and expire after four years; they can't be transferred. It also comes with a few other perks, some of which revolve around travel. Spend at least $750 in the first three billing cycles after opening your PNC (r) Visa(r) Credit Card to receive 50,000 points.
Best Features
After PNC points Visa Credit Card Review, we found out that using these PNC points, Visa Credit Card will cost you nothing in annual fees. Depending on your relationship with PNC Bank, you may be eligible for a bonus of up to 75%. You'll get 50% more points, for a total of 150 points, if you meet these requirements. Points Visa Credit Card has a zero percent introductory rate for the first 12 months of its life on purchases and balance transfers in the first 90 days after opening your account. The APR for balance transfers ranges from 11.99% to 21.99% after the introductory period, depending on your creditworthiness. The prime rate calculates this APR, which can fluctuate with the market.
Who This Card Is Good For
When the 25%, 50%, 75%, or 75% bonus requirement is met, and you live in a state where a PNC branch exists, With the added benefit of keeping all of your finances in one place, you could earn a rewarding reward rate on all purchases. Looking at other cards that offer better reward rates for redemption may be a better option if you aren't already a PNC cardholder.
The PNC Points Credit Card: What You Need to Know
There are restrictions on applying if you don't already have a PNC bank account. The PNC points(r) Visa(r) credit card has different eligibility requirements depending on where you live and whether or not you bank with PNC. It's a great way to rack up points. Any reward card's goal is to accumulate points that can be redeemed for future purchases. Visa Credit Card from PNC offers a generous rate of 4 points per $1 spent with the points(r) Visa Credit Card from PNC points(r). You'll be hard-pressed to find a card with a flat rate that offers more points per dollar than this one. In general, though, they're blah. 0.2 cents is the value of a point on gift and cashback cards (and possibly less for items). Contrast this with other reward cards that offer points worth a penny or more per point.
Pros Explained
- All Purchases Earn a Huge Percentage of Rewards. With the PNC point Visa, you'll get a lot of points. Every dollar spent is rewarded with four points. PNC points Visa, on the other hand, offers a much higher point rate than other cards, but only for a much broader range of purchases. PNC points Visa is available worldwide, and there is no need to be active or track bonuses to accrue points.
- Customers of PNC Bank Can Take Advantage of Points Bonuses: When you use PNC, you get more out of the card. If you have a PNC Checking account at a bank and meet the minimum deposit and balance requirements, you could earn 25% to 75% more bonus points.
Cons Explained
Compared to other credit cards that reward you, you'll get less value out of each point on this card, even though it's easy to rack up many points on this card. According to Investopedia's valuation, most credit cards reward you with one cent or more in points. The PNC points Visa, on the other hand, we believe is worth less than a quarter of a cent per point earned. To put it another way: The total rewards from the PNC Points Visa are less than 1 cent for every dollar you spend. Any purchase made with the card will be charged at a very low rate of 1.5%.
Conclusion
We are referring to PNC points here. Cardholders can earn rewards by using the Visa Credit Card. Depending on your relationship with PNC Bank, you will earn bonus points ranging from 25% to 75% for every dollar you spend. There is no annual fee, and the card offers an introductory 12-month period of 0% APR on purchases and balance transfers made within the first 90 days of account opening. You'll get a variable APR of 11.99% to 21.999% based on your creditworthiness. Your prime rate determines the APR, which can fluctuate with the market. Cardholders have no liability for any fraudulent charges, and they have access to emergency and travel protection.
