PNC Bank Rewards Points Questions

PNC Purchase Payback PNC points

Frequently Asked Questions

General Program Information

Q. Does it cost anything to participate in the PNC points or PNC Purchase Payback program?

A. No, it's free to participate.

Q: Which PNC products are eligible to earn points?

A: Several of our credit card products are eligible:

  • PNC points® Visa credit card
  • PNC Flex® Visa® credit card
  • PNC points® Visa® Business credit card
  • PNC Visa Signature® BusinessOptionsSM credit card with points

Q: How do I earn points?

A: Several ways—by making the everyday purchases you're already making and by activating PNC Purchase Payback offers on your PNC Rewards Center in Online Banking.

Q: How many points do I get?

Make purchases with: Earn points:
PNC points Visa credit card1 4 per $1
PNC Flex Visa credit card1 4 per $1
PNC points Visa Business credit card1 5 per $1
PNC Visa Signature BusinessOptions Credit Card1 with points 5 per $1

Now with PNC Purchase Payback you can multiply your points like never before — and reach rewards so much faster.

You can run the points explorer to see how fast points add up.

See Terms and Conditions for complete eligibility rules and requirements.

Q. What can I get with my points?

A. Everything from cash to gift cards at popular restaurants and stores, travel, electronics and more. Gift cards from Target, Amazon, and Starbucks. Round-trip travel and hotel stays. Mp3 players and game systems. Just a few of the 100s of great rewards—including cash—you can get for the everyday purchases you're already making.

View complete rewards catalog
Run the points explorer to see how fast points add up

Q: Is there a maximum number of points or PNC Purchase Payback offers I can earn and redeem at one time?

A: No!

Q: Do points expire?

A: Earned points expire one time at the end of the 48th month after the month in which they were posted to your points account.

Q: How do I redeem points?

A: You can redeem your points online or by calling 1-855-PNC-RWDS (855-762-7937).

View complete rewards catalog
Run the points explorer to see how fast points add up

Q: If I activate and earn a PNC Purchase Payback offer, when will I get my points?

A: Normally, points will be rewarded for all earned PNC Purchase Payback offers around the 20th of the month following the qualifying purchase.

Q: If I opt out of PNC Purchase Payback, will I opt out of PNC points, too?

A: No, if you opt out of PNC Purchase Payback in Online Banking, you will still be participating in PNC points and continue to earn points on everyday purchases.

Q: What if I haven't received my PNC Purchase Payback points after 90 days?

A: Please call us at 1-855-PNC-RWDS (855-762-7937).

Q: Can I cancel a redemption order I've already placed?

A: No, once you've placed your redemption order, you cannot cancel it.

Q: Can I view my PNC points information and PNC Purchase Payback offers in PNC Online Banking?

A: Yes, most of your points account information is available on your PNC Rewards Center in PNC Online Banking which displays a summary of your points, participating and eligible card points balances and all new, active and earned PNC Purchase Payback offers. You can access the PNC points website from your PNC Rewards Center in PNC Online Banking or by visiting pnc.com/points.

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Linking Cards

Q: What does linking cards mean—and how do I do it?

A: Linking combines multiple cards into one points account to earn points faster. Cards can be linked online from your PNC Rewards Center in PNC Online Banking or by calling 1-855-PNC-RWDS (855-762-7937).

Q: Which accounts need to be linked?

A: Additional PNC points participating Visa credit cards.

Q. Can I link both my personal and business accounts to the same points account?

A. Yes. Cards can be linked online from your PNC Rewards Center in PNC Online Banking or by calling 1-855-PNC-RWDS (855-762-7937).

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PNC points, PNC Flex, PNC BusinessOptions and PNC points Business Credit Cards

Q. How do points add up on my PNC points participating credit cards?

A. You get 4 points for each $1 you spend on qualifying purchases made with your PNC points and/or PNC Flex Visa credit card enrolled in your points account. You earn 5 points for each $1 you spend on purchases made with your PNC points Visa Business or PNC BusinessOptions credit card enrolled or linked to your points account.

Q. How can I earn even more rewards with my PNC points or PNC Flex credit card?

A. You can earn even more rewards with a PNC points Visa credit card combined with a Virtual Wallet, Virtual Wallet with Performance Spend, Performance checking, Virtual Wallet with Performance Select or Performance Select checking account.

  • 75% bonus on base points earned by maintaining a Performance Select checking account or Virtual Wallet with Performance Select and meeting the minimum balance requirements
  • 50% bonus on base points earned by maintaining a Performance checking account or Virtual Wallet with Performance Spend and meeting minimum balance or direct deposit requirements
  • 25% bonus on base points earned by maintaining a Virtual Wallet account (no minimum balance requirement)

You can also earn more rewards with a PNC Flex Visa Credit Card combined with a Foundation, Free, Virtual Wallet, Virtual Wallet with Performance Spend, Performance or Performance Select checking account. If you have one of these qualifying deposit accounts and meet the minimum balance requirements, you get:

  • 100 bonus points for every $1 in non-promotional interest billed (with a qualifying deposit account balance of $1,500 or more)
  • 100 bonus points for every $2 in non-promotional interest billed (with a qualifying deposit account balance of $500 - $1,499.99)

1. A “Qualifying Purchase” is any purchase which is processed or submitted through the Visa U.S.A. Inc. payment system made with a participating Credit Card and includes signature-based, Internet purchases, phone or mail order purchases, or bill payments (other than to another financial institution), contactless purchase (purchase made by holding your Card or other device up to a secure reader instead of swiping your Card) or small dollar purchase for which you are not required to sign.

See Terms and Conditions for complete eligibility rules and requirement.
Barnes & Noble Booksellers is not a sponsor or co-sponsor of this promotion. Please see back of gift card for terms and conditions of use. Barnes & Noble is not liable for any alleged or actual claims related to this offer.

The Bullseye Design, Target and Target GiftCards® are registered trademarks of Target Brands, Inc. All rights reserved. Target is not a participating partner in or sponsor of this offer.

Starbucks, the Starbucks logo and the Starbucks Card design are either trademarks or registered trademarks of Starbucks U.S. Brands, LLC. Starbucks is not a participating partner in or sponsor of this offer.

The merchants listed are not affiliated with the program, the program sponsor, or the program administrators, nor are they sponsors or co-sponsors of the program. All merchant names, logos, trademarks or other marks herein are used with permission. The registered owners of the names, logos, trademarks or other marks retain all rights therein. Merchants may have additional terms and conditions, which may be found on the gift card, gift certificate, voucher, or merchant’s website. Merchants listed are subject to change without notice.