Pros Explained

One rewards rate on all purchases: Some credit cards have a tiered program that offers different rewards rates on different types of purchases. Some even cap how much you can earn in these categories. With this card, you can avoid keeping track of all that, and you’ll earn a more predictable—and unlimited—stream of points that’s less apt to fluctuate. (That is, unless you bank with PNC and your balance changes).

Relatively low APR: While incurring finance charges is an easy way to erase the benefit of any rewards, if you have to carry a balance from time to time, it’s nice to know this card’s ongoing APR for purchases and balance transfers is so competitive. The low end of the range—offered to the most creditworthy applicants—is a good 2 percentage points lower than the average for comparable cards.

Cons Explained

Terrible redemption values: Points are worth a fraction of a penny: 0.2 cents each if redeemed for cash (an effective cash-back rate of just 0.8%), and in many other cases, 0.18 cents to 0.3 cents each. Even with the opportunity to earn a bunch of points on every dollar, this is well below the 1 cent per point baseline for rewards credit cards.

Maximizing rewards requires legwork (and money): You’ll get a 25% points boost just for having an eligible PNC account, but to get 50% or 75% you have to have even more specific accounts and meet minimum balance or direct deposit requirements. Any month you don’t meet the minimums, your effective rewards rate will drop

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PNC points Visa Credit Card Review

Sams Credit Card

The Sam’s Club Credit Card, issued by Synchrony Bank, is a basic store credit card for Sam’s Club members with a less-than-stellar credit profile. The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart stores and doesn’t offer any rewards on purchases, so it’s mainly for borrowers who aren’t likely to qualify for a better credit card that can be used more broadly. If your credit is just fair (if you have a FICO score of 580 to 669) and you shop at Sam’s Club and Walmart frequently, this card can be a worthwhile financing tool, albeit with a steep interest rate.

Big Lots Credit Card

The Big Lots Credit Card is a good choice for frequent Big Lots shoppers who want the flexibility to pay for their purchases over time. If you can handle the deferred-interest financing deals properly, you can save a lot of money and gain the flexibility around paying your credit card bill. Most people, however, will be better off with a cash-back card that works anywhere and earns rewards of some kind. Try the CardCruncher tool to find the right card for you.

Surge Mastercard Credit Card

The Surge Mastercard® is one of the easiest credit cards to get if you have bad credit, but the card's annual and monthly fees may reduce its appeal. If you're considering the Surge Mastercard® to build credit, here's what you need to know before you submit your application.

Menards BIG Credit Card

Menards has been one of the leading stores for home improvements for over five decades now. Many people rely on this store for their home improvement needs where they spend thousands of dollars. The Menards Big Card is designed to help all the Menards loyalists to get more rewards from making their purchases in the store and a few other selected gas stations. The card offers different types of rewards from cash back to in-store financing making it a very valuable tool especially if you tend to do a lot of home improvement.

Stein Mart Credit Card

The Stein Mart Platinum Mastercard® offers additional savings on items that fly off the rack at the discount retailer's store.The card, issued by Synchrony Bank, earns rewards at the retailer online and in-store and everywhere that Mastercard is accepted. It also offers perks such as exclusive savings events, birthday surprises and the chance to earn even more rewards with Elite status. The card's annual fee is $0.

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PNC points Visa Credit Card
The PNC points Visa Credit Card makes it easy to earn a lot of rewards points, but they’re worth so little that most people are better off with any number of other cash-back cards on the market. The one way to get a decent value is to maintain a big balance in a qualifying PNC checking account.
PNC points Visa Credit Card

Who Is PNC points Visa Credit Card Best For?
At first glance, the PNC points Visa Credit Card has a pretty impressive rewards rate: 4 points for every $1 you spend, and even more if you are an eligible PNC banking customer.But PNC points are worth a fraction of a penny each, so for most people, the rewards are quite meager. In fact, 4 points p

How to Apply For PNC points Visa Credit Card
OnlineApply for a new PNC points® Visa® Credit Card through PNC.com.Offer available when applying through any of the links provided on this page. If approved, 50,000 bonus points will be awarded after you have made at least $750 in purchases during the first 3 billing cycles following account

How to Get the Most Out of PNC points Visa Credit Card
The best way to maximize the value of the PNC points Visa Credit Card is to qualify for the 75% relationship bonus on points, and then always use your points to book airfare, hotels or other travel through the bank’s rewards portal. This would give you an average value of 2.1 cents per $1 spent, b

The Rewards of PNC points Visa Credit Card
RewardsThe PNC points Visa Credit Card offers a flat 4 points per dollar on every purchase you make. If you have one of the bank’s eligible checking accounts and meet other requirements, you could qualify for up to 7 points per $1. Again, it may sound like a lot, but the rewards rates are misleadi

PNC points Visa Credit Card Payment
Pay with your phoneIf you are using an Android or Samsung device, you can enroll your PNC cards in Android Pay by tapping on the 'Settings' icon below the card you wish to enroll and selecting 'Add to Android Pay' option.Pay by make a phone callCall 1-888-PNC-BANK (1-888-762-2265) to