PNC Points Visa® Credit Card Reviews

Approval Odds

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2.0 out of 5 stars
2 Reviews

From Cardholders in the last year

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Application Process

2.5 out of 5 stars

Customer Service

2 out of 5 stars

2 5

These reviews were written by current and former cardholders in the last year.

May 11, 2017
Anonymous Cardholder

The customer service is terrible. On a few occasions I had questions regarding my account, and the reps each time were curt, inflexible, and unwilling to provide you with assistance. The card itself is ok. After years of paying on time, I was never offered any kind of credit limit increase, lower interest, or other perk. Strict guidelines. Overall, I do not recommend. There are way better options out there, such as Discover (the best!), Chase, or even Capital One. This honestly was the worst card I've had.

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Jan 16, 2017
Good Starter Card
lgross2441 Cardholder

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.

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PNC Points Visa® Credit Card