Don't go to this bank too much interest the staff is not too courteous
Stay away from PNC , had a house loan with them for 5 years and needed to refinance from a 15 yr to a 30 year , same bank same loan same people. Said I didn't qualify for the loan, WTF ?????? Wouldn't work with us, stole our house legally. They have no morals . Since then I have built a home out of pocket . It's smaller but paid for. PNC took bail out money and my home for free. Only Americans do this to people. I'll never use a lender again. If I can't pay cash then I don't need it .
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.
Pnc creditcards has THE WORST customer service that i have ever experienced. I am very disappointed at the way that my concerns were treated. I have had a credit card with pnc for almost a decade and they seem to care very little of the amount of time that ive with them. No special promotions for long time customers besides the 0% balance transfer which it is ridiculous. I have never gotten that type of service from discover,amex, or citi bank. If you are wondering on what type of credit card to choose dont go with pnc.