PNC points® Visa®
PNC and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of PNC. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The PNC points® Visa® from PNC earns up to 0.8% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 0.8%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 4% back.
What does the PNC points Visa earn in each category?
Dining is the strongest category at 0.8% effective value (4% back). That dining rate ranks higher than about 1% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how PNC points Visa compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 0.8% effective value (4% back). That dining rate ranks higher than about 1% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how PNC points Visa compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 4% back | 0.8% Top category |
| Grocery Supermarkets and grocery stores | 4% back | 0.8% |
| Gas Gas stations and fuel | 4% back | 0.8% |
| Travel Flights, hotels, transit | 4% back | 0.8% |
| Other General everyday spend | 4% back | 0.8% |
Madeen values cash back at about 0.2 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the PNC points Visa?
The PNC points Visa fits spenders who put meaningful volume in dining and can earn 4% back. Best for spenders who put meaningful volume in dining and can earn 4% back.
PNC points Visa fits spenders who put meaningful volume in dining and can earn 4% back. Madeen ranks its dining effective rate higher than about 1% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 4% back.
Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 0.8% effective (4% back).
- No annual fee in our catalog snapshot.
Cons
- Charges $3 foreign transaction fees.
Does the PNC points Visa have an annual fee?
The PNC points Visa has an annual fee of $0 and a foreign transaction fee of $3. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $3
What benefits come with the PNC points Visa?
The PNC points Visa includes Cell Phone Protection, Earn 25% bonus points, Earn 50% bonus points in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Cell Phone Protection
$7,200/yrWhen you use your eligible PNC Visa credit card to pay your monthly wireless bill, you can get reimbursed up to $800 if your cell phone is stolen or damaged.
Earn 25% bonus points
on base points you earn in a billing cycle when you maintain a Virtual Wallet®, Virtual Wallet Student®, 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 OR on the due date of your Credit Card Billing Cycle, you must have had Private Banking Checking
Related encyclopedia topics
Common questions about the PNC points Visa
Does the PNC points Visa have an annual fee?
The PNC points Visa carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the PNC points Visa?
Dining is the strongest Madeen category for the PNC points Visa at about 0.8% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the PNC points Visa charge foreign transaction fees?
The PNC points Visa charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What credit score do you need for the PNC points Visa?
Madeen's catalog lists a typical credit range of Good to Excellent for the PNC points Visa. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the PNC points Visa?
Rewards on the PNC points Visa post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How do I maximize rewards on the PNC points Visa?
Dining is the strongest Madeen category for the PNC points Visa at about 0.8% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
How does the PNC points Visa compare to similar cards?
Compare the PNC points Visa against PNC Cash Unlimited (2% on Dining, $0 fee); PNC Cash Rewards Visa Signature Business Credit Card (1.5% on Dining, $0 fee); PNC CashBuilder Visa (1.3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
PNC points Visa This card | Dining | 0.8% | $0 |
| Dining | 2% | $0 | |
| Dining | 1.5% | $0 | |
| Dining | 1.3% | $0 | |
| Dining | 1% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
Related Madeen guides
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See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
PNC and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of PNC. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure