Best PNC Credit Cards

PNC Premier Traveler Visa Signature Review

Rating: 5 Stars

Bottom Line:
Rewards For PNC Account Holders

Card Details

Regular APR:	17.74 (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	0% Intro APR for 12 billing cycles for transfers in first 90 days
Rewards Rate:	Cardholders get 2 miles for every $1 on all purchases
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	None for first year, then $85
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn miles everywhere you shop and get 2 miles for every $1 on all purchases, with no spending categories to remember
Virtually no limit to the number of miles you can earn
30,000 Bonus Miles when you make $3,000 or more in purchases during the first 3 billing cycles following account opening. That’s a $300 value when you redeem miles for travel rewards!
OPTION 1: Redeem miles to cover travel purchases you’ve already made. Book travel your way using your PNC Premier Traveler credit card and redeem for a statement credit through the PNC Rewards Center in Online Banking or with a PNC customer care representative.
OPTION 2: Redeem miles to book new travel. Use your miles to book travel, including custom vacations, cruises, travel packages – with no blackout dates – through the PNC Rewards Center in Online Banking or by calling a travel specialist.

Is PNC Premier Traveler Visa Signature worth it?

PNC Premier Traveler Visa Signature is a solid card for travelers. Cardholders get 2 miles for every $1 on all purchases. The best feature of this card is the option to redeem miles to cover travel purchases you’ve already made for a value of one cent per mile. This raises the value of your miles, which would otherwise be worth less than one cent per mile and in many cases less than one half cent per mile when used to purchase travel through PNC’s portal.

The signup bonus of 30,000 Bonus Miles when you make $3,000 or more in purchases during the first 3 billing cycles becomes $300 in statement credit when used to book travel with your PNC Premier Traveler Visa Signature.

Pros

0% Intro APR for 12 billing cycles for transfers in first 90 day
You may redeem your Miles for a monetary credit to your Account up to the full amount of (but not exceeding) any Travel Purchase. You will receive a monetary credit of one cent ($0.01) for each Mile you redeem
No foreign transaction fee
Low APR

Cons

Statement credit redemption of miles is one half of one cent per mile
Other cards like Citi Double Cash and Fidelity Rewards Visa Signature earn 2% unlimited cash back on all purchases, not just 2% statement credit redemption on travel purchases.

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	3% of the amount of each balance transfer
Cash Advance Fee	$5
Penalty APR	30.74%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Baggage Delay Reimbursement

Concierge Service

Emergency Card Replacement

Emergency Cash Disbursement

Extended Warranty Protection

Lost Luggage Reimbursement

Travel Accident Insurance

Price Protection

Purchase Protection

Return Protection

Roadside Dispatch

Travel and Emergency Assistance

Trip Cancellation/Trip Interruption Reimbursement

Trip Delay Reimbursement

Get Started with PNC Premier Traveler Visa Signature

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

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PNC points Visa Review

Rating: 5 Stars

Bottom Line:
Rewards For PNC Account Holders

Apply Now

Card Details

Regular APR:	13.74 – 23.74 (Variable)
Intro APR (Purchases):	0% for 12 billing cycles
Intro APR (Balance transfers):	0% for 12 billing cycles on transfers in first 90 days
Rewards Rate:	Earn 4 points for every $1 in purchases Virtual Wallet users earn 5 points for every $1 in purchases Performance Checking account holders earn 6 points for every $1 in purchases Performance Select checking account holders earn 7 points for every $1 in purchases
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	None
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Get 50,000 bonus points after you have made at least $750 in purchases during the first 3 billing cycles following account opening
Earn 4 points for every $1 in purchases
Earn 25% bonus points on base points you earn in a billing cycle when you maintain a Virtual Wallet, Virtual Wallet Performance Spend, Virtual Wallet Performance Select, Performance OR Performance Select checking account
Earn 50% bonus points on base points you earn in a billing cycle when you maintain a Performance Checking account OR Virtual Wallet with Performance Spend and meet minimum balance or direct deposit requirements
Earn 75% bonus points on base points you earn in a billing cycle when you maintain a Performance Select Checking account OR Virtual Wallet with Performance Select and meet minimum balance or direct deposit requirements

Is PNC points Visa worth it?

PNC Core Visa is a great card for PNC checking account holders who want to earn points for travel. A PNC account is not required to get the card, but there is a bonus for having a Performance Checking Account. As a baseline, cardholders get 4 points for every $1 in purchases.

The reward rate goes 25% higher for having a Virtual Wallet, 50% higher for having a Performance Checking Account or 75% Performance Select Checking Account. Performance Checking has no monthly fee for accounts that have $2,000 or more average monthly balance or $2,000 or more in direct deposits per monthly statement period. For Performance Select Checking, the number is $5,000. The rewards rate of 4 points per $1 is high, but the conversion value is only average.

PNC Core Visa points are worth less than a penny, for example, on a roundtrip flight from LAX in Los Angeles to JFK in New York City leaving on Christmas and returning on New Years Day. This flight costs 140,533 points at the time the rewards portal was accessed for this test. With the value of that roundtrip flight being about $650, each point is worth a little less than half a cent.

What about gift cards A $100 CVS Pharmacy gift card could be purchased for 43,078, each point being worth less than a quarter of a cent in that case. The point value for PNC Core Visa is not high. As a result this card can only be recommended for PNC Performance Checking Account holders, who get a 50% bonus.

PNC Core Visa does have a fair signup bonus of 50,000 bonus points after you have made at least $750 in purchases during the first 3 billing cycles following account opening, but remember that would be equivalent to less than 20,000 points for a normal points program, where the points are worth about a cent.

Pros

Get 50,000 bonus points after you have made at least $750 in purchases during the first 3 billing cycles following account opening
0% for 15 billing cycles on transfers in first 90 days
0% for 15 billing cycles on purchases

Cons

Foreign transaction fee

Why 5 Stars?

Regular APR

5 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

4 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	Either $5 or 3% of the amount of each balance transfer, whichever is greater, for the first 90 days following account opening. After that, either $5 or 4% of the amount of each balance transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR	30.74%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Baggage Delay Insurance

Concierge Service

Extended Warranty Program

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Travel Assistance

Get Started with PNC points Visa

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PNC Core Visa Review

Rating: 5 Stars

Bottom Line:
Long Debt and Purchase Payoff Period

Apply Now

Card Details

Regular APR:	11.74 – 21.74 (Variable)
Intro APR (Purchases):	0% for 15 billing cycles
Intro APR (Balance transfers):	0% for 15 billing cycles on transfers in first 90 days
Rewards Rate:	None
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	None
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Get a $100 monetary credit on your statement after you have made $1,000 in purchases during the first 3 billing cycles following account opening
Our lowest intro rate on purchases for the first 15 billing cycles from account opening to help you save on interest every time you use your card to make a purchase
Our lowest intro rate on balance transfers for the first 15 billing cycles from account opening for balances transferred within the first 90 days following account opening to help you pay off higher-rate cards and save on interest
Seamless integration with PNC Online Banking and Virtual Wallet

Is PNC Core Visa worth it?

PNC Core Visa is a great card for people who are carrying a balance or would like to make a big purchase. Cardholders get 0% for 15 billing cycles on balance transfers made in the first 90 days and 0% for 15 billing cycles on purchases.

Comparing only cards with both long debt and purchase payoff periods, PNC Core Visa compares favorably with HSBC Gold Mastercard and Wells Fargo Platinum Card, which both offer 0% for 18 months on purchase and balance transfers and also have no annual fee. PNC Core Visa also has a fair signup bonus of $100 in statement credit after you have made $1,000 in purchases during the first 3 billing cycles following account opening.

Pros

Get a $100 monetary credit on your statement after you have made $1,000 in purchases during the first 3 billing cycles following account opening
0% for 15 billing cycles on transfers in first 90 days
0% for 15 billing cycles on purchases

Cons

No rewards
Foreign transaction fee

Why 5 Stars?

Regular APR

5 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

4 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	Either $5 or 3% of the amount of each balance transfer, whichever is greater, for the first 90 days following account opening. After that, either $5 or 4% of the amount of each balance transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR	30.74%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Travel Assistance

Get Started with PNC Core Visa

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PNC Cash Rewards Visa Review

Rating: 5 Stars

Bottom Line:
Gas Station, Restaurant, and Groceries Cash Back

Apply Now

Card Details

Regular APR:	14.74 – 24.74 (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	0% for 12 billing cycles on transfers in first 90 days
Rewards Rate:	Earn 4% on gas station purchases (in-store and at the pump), 3% on dining purchases at restaurants, including fast food, and 2% cash back on grocery store purchases, for the first $8,000 in combined purchases in these categories annually Earn at least 1% cash back on purchases everywhere, every time
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	None
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Get a $100 monetary credit on your statement after you have made $1,000 in purchases during the first 3 billing cycles following account opening
Earn 4% on gas station purchases (in-store and at the pump), 3% on dining purchases at restaurants, including fast food, and 2% cash back on grocery store purchases, for the first $8,000 in combined purchases in these categories annually
1% cash back on all other purchases
0% APR on balance transfers for the first 12 billing cycles following account opening when the balance is transferred within the first 90 days following account opening
In addition to giving you the rewards you want, a PNC credit card can integrate seamlessly with PNC Online Banking and Virtual Wallet. View all of your spending and saving online, from your desktop, tablet or mobile device

Is PNC Cash Rewards Visa worth it?

PNC Cash Rewards Visa is a great card for people who spend a lot at gas stations, eating out, and grocery stores. Cardholders earn 4% on gas station purchases (in-store and at the pump), 3% on dining purchases at restaurants, including fast food, and 2% cash back on grocery store purchases, for the first $8,000 in combined purchases in these categories annually.

For most people, PNC Cash Rewards Visa will not be their everyday spend card, because the maximum is only $8000 for the year. However, PNC Cash Rewards Visa is one of the best cards available for cash back rewards at gas stations, earning 4%. Comparing only flat-rate cards with cash back at gas station, PNC Cash Rewards Visa compares favorably with Blue Cash Preferred Card from American Express and Blue Cash Everyday from American Express, which earn 3% at U.S. gas stations and also have no annual fee. PNC Cash Rewards Visa also has a fair signup bonus of $100 in statement credit after you have made $1,000 in purchases during the first 3 billing cycles following account opening.

Pros

Get a $100 monetary credit on your statement after you have made $1,000 in purchases during the first 3 billing cycles following account opening
Earn 4% on gas station purchases (in-store and at the pump), 3% on dining purchases at restaurants, including fast food, and 2% cash back on grocery store purchases, for the first $8,000 in combined purchases in these categories annually
0% APR on balance transfers for the first 12 billing cycles following account opening when the balance is transferred within the first 90 days following account opening

Cons

$25 minimum cash back redemption

Why 5 Stars?

Regular APR

5 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	Either $5 or 3% of the amount of each balance transfer, whichever is greater, for the first 90 days following account opening. After that, either $5 or 4% of the amount of each balance transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR	30.74%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Travel Assistance

Get Started with PNC Cash Rewards Visa

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Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.