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PNC · Visa

PNC Points® Visa® Credit Card

★★★★★ 4.5 Wafacard score
Issuer page Confirm current terms on the issuer website
Annual fee
$0
Rewards rate
4x
Intro offer
Intro value may include 50,000 points. Confirm current requirements with the issuer.
Recommended credit
Excellent (720+)
Fees and terms

Rates and fees can change by applicant profile and issuer updates. Confirm current terms on the issuer website before applying.

Annual fee
No annual fee
Purchase APR
APR range: 20.24% - 29.24%
Balance transfer APR
0% intro balance-transfer period for 12 months; variable APR applies after.
Cash advance APR
APR range: 29.24%
Promo APR length
12 months
Foreign transaction fee
Check issuer terms
Late payment fee
Up to $38
Grace period
21 days
Recommended credit
Excellent (720+)
Terms last updated
6/22/2026
Key benefits
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • No yearly card fee
Rewards breakdown

Wafacard summary: Base earning: 4x on ordinary purchases. Relationship bonus: 25%-75% bonus on base points; Bonus tier depends on the qualifying PNC checking or Virtual Wallet relationship and its requirements.. Confirm current categories, caps, and eligibility with the issuer.

Intro offer: Intro value may include 50,000 points. Confirm current requirements with the issuer.

Card details

Wafacard note: key fit signals include intro apr or transfer-focused terms, cell phone protection may be available, no yearly card fee. Availability, exclusions, and enrollment rules can vary by issuer terms.

Issuer
PNC
Network
Visa
Type
general
Review status
Terms reviewed 6/30/2026

Is PNC Points® Visa® Credit Card worth it?

The PNC Points® Visa® Credit Card is a no-annual-fee general card from PNC, so you can keep it long term without paying to hold it. It lists 4x on eligible spending, and the breakdown below shows how that earning applies across categories. New cardholders may also qualify for a welcome offer: Intro value may include 50,000 points. Confirm current requirements with the issuer. It is generally aimed at applicants with excellent (720+) credit, with a purchase APR around APR range: 20.24% - 29.24%. Confirm current terms on PNC's site before applying.

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