Don't go to this bank too much interest the staff is not too courteous
Several month process to get through the documentation. They frequently said their fax system is in really bad shape; always talking to a different person... After sending them my detailed tax history for the 4th time I gave up. Really unprofessional outfit. If you don't want to do home equity loans, just pull out of that side of banking? Seriously considering moving my alternate accounts from them to another institution after this experience.
I've been using this card for about a year and a half as my first credit card - I had no established credit at the time and was having difficulty get approved by other banks. However, since I'd had a PNC checking account for several years and had all my income go straight to that account via direct deposit, I figured I'd give this a try. I called PNC and was approved pretty much immediately, and was given a 200% credit limit increase after a year by my request. Not bad at all.
As far as rewards go...better than nothing but far from the best. You get 4 points per dollar on qualifying purchases, sure. But they don't tell you that you need a LOT of points to redeem anything worth it. For direct points-to-cash, it's 500 points per dollar. So basically, you get 0.80% rewards for each qualifying dollar spent. It's more worth it to redeem for gift cards - for example, right now, a $5 Amazon gift card is 2,270 points: that's 454 points per dollar, or 0.88% rewards for each qualifying dollar spent.
Other than that, not much to say. I haven't had much reason to contact their customer support, but the few times I have (for example, I lost my credit card once a year back), their customer service was perfectly adequate.
Overall, a pain to deal with! I was a customer since the National City days, and it used to be just fine. They keep cutting services and don't allow you grandfather in your old account types. I finally jumped ship to Ally Bank and have been very pleased with the switch. PNC was terribly frustrating with poor customer service, and lack luster product portfolio.