PNC Bank Rewards Program

PNC Purchase Payback PNC points

How Points Work

It's pretty simple. Get something back for the day-to-day purchases you’re already making. PNC points® and PNC Purchase Payback® rewards you for using your PNC points participating Visa® credit cards. Best of all, it's free to participate.

With PNC Purchase Payback you will begin to see special offers on your PNC Rewards Center in Online Banking to earn even more points at the places you like to shop or at similar places.

Get Rewarded

Already a PNC Bank customer?

You are auto-enrolled in PNC points, if you have a personal or business PNC points Visa credit card or a PNC Flex® Visa credit card. You can access your PNC points account in PNC Online Banking now or just call us at 1-855-PNC-RWDS (855-762-7937).

Once you are participating in PNC points, you will be auto-enrolled in PNC Purchase Payback.

Not a PNC Bank customer?

If you don't have an account with us, please take a couple of minutes to open a PNC points Visa or PNC Flex Visa Credit Card. Or, if you are a business owner, open a PNC points Visa Business Credit Card or a Visa Signature® BusinessOptionsSM credit card with points.


Use your participating credit cards. Get points. It’s that simple. You earn points by using your PNC points participating Visa credit cards at the places you love.

Make purchases with: Earn points:
PNC points Visa and PNC Flex Visa credit card purchases1 4 per $1
PNC points Visa Business credit card and PNC Visa Signature BusinessOptions Card with points purchases1 5 per $1

And now with PNC Purchase Payback you can multiply your points like never before — and reach rewards so much faster. When you log in to Online Banking, you’ll see your personalized offers on your PNC Rewards Center in PNC Online Banking. You may even see a few offers on your transaction history page. For example:

  • Click to activate an offer from the Body Shop: 100 points per $1 spent
  • Shop at The Body Shop and pay with your PNC points participating Visa credit card. Let’s say you spent $50 using your PNC points Visa credit card. You’d earn 5,000 points from your PNC Purchase Payback offer, plus 200 points(4 points per $1 spent) for 5,200 total points, just for that one transaction!
  • Enjoy your rewards faster! Your points are good for the same great reward items – cash, exciting merchandise, gift cards, travel and more.

Offers are available only from participating merchants. Your personal banking information is not shared with the merchants participating in PNC Purchase Payback. Not everyone will get the same offer, including those shown for this merchant.


We get it—points are only as good as the stuff you can get with them. So take a peek at all of the rewards options—everything from cash to gift cards at great restaurants (like Olive Garden®, Chili's® and Red Lobster®) and stores (like Target®, Old Navy and Barnes & Noble Booksellers) to air travel, hotel stays, electronics and more.

Browse Rewards Catalog

1. A “Qualifying Purchase” is any purchase which is processed or submitted through the Visa U.S.A. Inc. payment system made with participating Credit Card and includes signature-based purchases, 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 details.

The merchants listed are not affiliated with the program, the program sponsor, or the program administrator, 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.

Barnes & Noble 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 and Target are registered trademarks and Target GiftCard is a service mark of Target Brands, Inc. All rights reserved. Terms and conditions are applied to GiftCards. Target is not a participating partner in or sponsor of this offer.

Old Navy giftcards can be used at all Old Navy locations and online at Only 2 giftcards are redeemable per online transaction. Old Navy giftcards are redeemable for merchandise only and cannot be replaced if lost or stolen. For questions regarding Old Navy giftcards, please call 1-800-OLD-NAVY.

Darden Restaurants®, Inc. (Red Lobster®, Olive Garden®, LongHorn® Steakhouse, Bahama Breeze®) is not affiliated with PNC points. Darden Restaurants is not a sponsor or co-sponsor of this program. Use of our restaurant names, logos or trademarks requires written approval from Darden Restaurants, Inc. See backside of gift card for additional terms and conditions or visit