Five Ways PNC Points Can Bring You Cash Rewards

PNC Bank now has a Points Visa that will reward cardholders with either points or cash back. The PNC Points Visa offers cardholders up to four points for every dollar spent. The points are redeemable in a variety of formats, all of which will ultimately put cash back in your pocket.

The PNC Points Visa is available to both business customers and personal use customers, and come with many advantages for both business and personal use customers.

Five Ways PNC Points Put Money in Your Pocket

1. After spending a minimum of 750 dollars during the first three billing cycles after the account is opened, cardholders will receive 50,000 bonus points credited to the account. This applies to new cardholders only.

2. Link your PNC Points Visa to your PNC Visa Check Card and increase the rate at which you earn points. This applies to eligible checking accounts only and not all checking accounts are eligible for a PNC Points Visa Check Card. Virtual Wallet cards may be eligible for this offer.

3. Rewards earned from the PNC Points Visa can be redeemed for gift cards, merchandise, travel, and cash rewards. If you buy a gift card with your PNC Points Visa, you’ll earn reward points for the gift card purchase. Often, during holidays and special events, gift cards will be offered at discounted points so you’ll be receiving cash back in the form of savings when these cards are ordered.

Gift cards can be ordered in the form of standard cards, ecards, or digital downloads. Items available include iTunes, iPhone and Android apps, iPhone and Android games, movies, and so forth.

There is no waiting time for the points to be redeemed; as soon as the points are available on your account, they can be redeemed. Points can also be set for auto-redeem, which means that you can select an item that you want and as soon as the points are available in your account, the item will automatically ship to you and the points will be deducted from your account.

4. Link your PNC Virtual Wallet to your PNC Points Visa and have the benefit of personalized money management without any additional expense. Stay on top of your money by knowing where it goes and where adjustments may need to be made. The savings engine available in the Virtual Wallet can help you reach your savings goal.

The Virtual Wallet provides an online bill pay function, a money bar, a savings engine, mobile banking, and much more. The Virtual Wallet is available for free to PNC customers, although some financial institutions charge for this type of program.

5. The PNC Points Visa offers cardholders an introductory, 12 month, 0 percent annual percentage rate, or APR, when balances are transferred in within the first 90 days of the account being opened. There is a one time balance transfer fee of 3 percent, but this can be recouped in the first month if a balance is transferred from a high interest credit card. In addition, purchases made during the first 12 months of the account opening are also eligible for the 0 percent introductory interest rate. These two introductory rates are available to new account holders only and do not apply to cash advances or cash advance fees.

Introductory offer credit cards provide cash back in your pocket, whether you transfer balances or not. For more information on the advantages of introductory rate credit cards, as well as some of the drawbacks of these offers, click here.

Whether it is in the form of actual cash back from your rewards earned, or in the form of time saved, as in the auto-redeem function, or in the form of late fees avoided by using Virtual Wallet, the PNC Points Visa will put money back in your pocket.