PNC points®

This card is built for readers who want a simple, no-annual-fee rewards card and do not need bonus categories to drive value. In practice, it works best as a low-maintenance everyday card, though its flat rewards rate is modest enough that many frequent card users will want something stronger.

Welcome Offer

50,000 Points

Annual Fee

Rec. Credit Score

Excellent

Good For

Simple everyday spending

How to Apply

All information about PNC points® has been collected independently by MaxRewards. PNC points® is no longer available through MaxRewards.

Is the PNC points® worth it?

This card is great for...

One-card daily purchases

No-fee rewards earning

Low-maintenance cash value

The PNC points® card makes the most sense for someone who wants a straightforward rewards card from PNC, plans to avoid an annual fee, and values simplicity over maximizing return. You get the same earning rate on every purchase, so there is no need to track categories or move spending around from month to month.

That said, the card's rewards rate is not especially competitive for a flat-rate card, and there are no listed ongoing benefits to help it stand out. If you spend regularly on a credit card and want to get more back on everyday purchases, many no-annual-fee cards offer stronger long-term value. This one is a reasonable fit for simplicity and banking relationship reasons, but not a compelling choice for most rewards-focused readers.

MaxRewards Verdict

A workable no-fee option for simple everyday spending, especially if you prefer to keep your card with PNC. Its biggest limitation is straightforward: the rewards are easy to understand, but the return is light and there are no meaningful perks to make up for it.

Welcome Offer

50,000 Points after you spend $750 on purchases on your new card in your first 3 months of card membership.

Est. Value

$100

Required Spend

$750

Time Frame

3 Months

Est. Value

$100

Required Spend

$750

Time Frame

3 Months

What's your average monthly spend?

$300

You should easily hit the bonus threshold with this spend!

Rewards

Rewards percent based on a valuation of 0.2¢ per PNC point

The rewards structure here is very simple: you earn the same rate on every purchase. That makes this card easy to use, but the main question is whether that flat return is strong enough for your spending.

CategoryEst. yearly spendRateRewards

Everywhere

Est. yearly spend

Rate0.8%

Rewards

Est. Annual Rewards

Recommended Minimum Credit

Min: Excellent

Poor

Fair

Good

Excellent

Excellent credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.