Does the PNC Points Visa have an annual fee?

No. Our record lists a $0 annual fee for the PNC Points Visa.

Is the PNC Points Visa worth it in the first year?

Using our illustration ($12,000 of yearly spending), the first year comes out around $180 before credits, including a welcome bonus valued at $0. Year two drops to about $180 before credits.

What credit do I need for the PNC Points Visa?

Our record lists "Good" credit as the typical target for the PNC Points Visa. PNC Bank makes the final decision based on its own criteria.

PNC Points Visa® Credit Card

PNC Bank

No Annual Fee

Annual Fee

visaGoodno-annual-fee6 months ago

Welcome Offer

No Welcome Offer

OpenCard analysis

Is the PNC Points Visa Credit Card right for you?

The PNC Points Visa is a no-annual-fee rewards card from PNC Bank. It earns a flat 1.5x on purchases. With no fee, it only needs to beat the flat rate your current card already pays.

Who it's for

✓ Anyone who wants flat-rate rewards without paying an annual fee
✓ People who want one rate (1.5x) everywhere without tracking categories

First-year value estimate

Welcome bonus

Rewards on spending

$180

Annual fee (year 1)

−$0

Year 1, before credits

$180

Year two, without the welcome bonus: about $180 before credits ($180 in rewards minus the $0 fee).

Assumptions

$12,000 a year of purchases at 1.5x, about $1,000 a month.
Rewards valued at 1¢ per point or 1% cash back (cash-equivalent).
No welcome bonus is listed in our record, so none is counted.
No annual fee in any year.

An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-04-16.

How it compares

Amex Cash Magnet →

American Express, same $0 annual fee; earns 1.5x on everything.

Capital One VentureOne Rewards →

Capital One, same $0 annual fee; earns 1.25x on everything.

PenFed Gold Visa →

PenFed Credit Union, same $0 annual fee; earns 1x on everything.

Compare side by side →

Frequently asked questions

Does the PNC Points Visa have an annual fee?: No. Our record lists a $0 annual fee for the PNC Points Visa.
What does the PNC Points Visa earn?: A flat 1.5x on purchases.
Is the PNC Points Visa worth it in the first year?: Using our illustration ($12,000 of yearly spending), the first year comes out around $180 before credits, including a welcome bonus valued at $0. Year two drops to about $180 before credits.
What credit do I need for the PNC Points Visa?: Our record lists "Good" credit as the typical target for the PNC Points Visa. PNC Bank makes the final decision based on its own criteria.

Earning Rates

1.5×All Purchases1.5 points per $1 on all purchases (points redeemable for cash, travel, gift cards)

Insurance

Sources

https://www.pnc.com/en/personal-banking/banking/credit-cards.html

Last Updated: Apr 16, 2026