What is the best PNC Visa rewards card?

This question is about PNC Bank Credit Cards

ELIJAH NASH, Annuity Wholesaler

@EliEliO 06/13/19

The best PNC Visa rewards card is the PNC Points Visa Credit Card because it offers 4 points per $1 spent on all purchases. It also has a bonus of 50,000 points after spending just $750 in the first 3 billing cycles from account opening. Plus, there’s no annual fee, and you’ll get an introductory APR of 0% for 12 months.

PNC Points Visa cardholders can also get a 25%, 50% or 75% bonus on points earned in a billing cycle if they have a qualifying PNC virtual wallet/checking account. Just bear in mind that you’ll have to meet specific minimum balance and direct deposit requirements to be eligible.

If you want cash back, the PNC Cash Rewards Visa Card is another good option to consider. It has no annual fee and offers 4% cash back on gas, 3% on dining, and 2% at grocery stores for the first $8,000 in combined purchases each year. You’ll get 1% cash back on all other purchases. There’s also a $100 bonus after spending $1,000 in the first 3 months. You’ll need a minimum of $25 cash back before you can redeem for statement credits or direct deposits.

People also ask

How much is 50,000 PNC points worth?

Depending on how you redeem, 50,000 PNC points are worth as much as $170 (airfare) or as little as $100 (statement credit).

In other words, each PNC point is worth $0.0013 to $0.0034, compared to about $0.01 for the average credit card point.

You can learn more about how to redeem PNC points for maximum value … read full answer here.

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What is the best credit card rewards program?

Each credit card company has its own rewards program. And each credit card rewards program has a unique reputation. Some are known for good customer service. Others are notable for offering rewards cards to people with less-than-good credit. You can find the latest rankings in WalletHub’s annual Credit Card Rewards Study… read full answer, which reviews major credit card rewards programs based on earning potential, eligibility, transparency and more. The study also includes scores and rankings for individual cards.

Given that your ultimate goal should be to find the single best rewards card for your needs, your focus should be more at the card level than the issuer or rewards program level. The quality of a rewards program matters in the sense that it impacts what you can redeem your earnings for and how much they’re worth when you do. But a credit card’s core terms – annual fee, rewards earning rates, etc. – are what matter most.

With that being said, the first step in choosing the right rewards program is asking yourself this question: Do I rack up 30,000+ airline miles or 20+ hotel nights per year?

If your answer is “yes,” get one of WalletHub’s best travel rewards credit cards. Most people will be better off with a card that’s equally rewarding no matter where you book travel accommodations. But if you always fly with the same airline or stay at the same hotel chain, it’s worth at least considering that company’s credit card.

If you answered “no,” we recommend getting the best cash back credit card for your spending habits. Credit card companies can easily devalue points/miles by increasing the number that you need to redeem for certain items. That makes saving them up for infrequent redemption a bit risky. But issuers can’t play the same games with cash. Cash back rewards also give you versatility in that you can redeem earnings for any type of expense by getting a statement credit.

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