Frequently Asked Questions
If you have questions about PNC points and how it works, you'll find the answers here.

How PNC points Works
  • What is PNC points?
    It is a rewards program that enables you to earn points for purchases with your PNC points Visa card.
    You can use those points for amazing travel experiences, must-have electronics and gadgets, cash, gift cards to name-brand restaurants and retailers, digital rewards and more!
  • Is there a fee to participate in PNC points?
    No, there is no fee for participating in the program.
Eligibility
  • What are the eligibility rules for PNC points?
    PNC points Visa and PNC Flex® Visa credit cards are auto-enrolled in PNC points. PNC CashBuilder® Visa credit cards are not eligible to enroll in PNC points at this time. Please refer to the Terms and Conditions for more details.
Earn Points
  • How do I earn points?
    You shop. You earn points.

    • Earn points for making purchases with your PNC points Visa® or PNC Flex Visa® credit cards**

    • Also, earn points when you activate and redeem your PNC Purchase Payback offers on the Rewards Center page in Online Banking

    • Link your eligible personal and business credit cards into one points account and watch your points accumulate even faster!

    **PNC points Visa and PNC Flex Visa credit cards are auto-enrolled in PNC points. PNC CashBuilder® Visa credit cards are not eligible to enroll in PNC points at this time.

    Please refer to the Terms and Conditions for more details.
  • How do I earn points?
    You shop. You earn points.

    • Earn points for making purchases with your PNC points Visa® or PNC Flex Visa credit cards**

    • Earn points when you activate and redeem your PNC Purchase Payback offers on the Rewards Center page in Online Banking or in the PNC Mobile Banking app.

    • Link your eligible personal and business credit cards into one points account and watch your points accumulate even faster!

    **PNC points Visa and PNC Flex Visa credit cards are auto-enrolled in PNC points. PNC CashBuilder® Visa credit cards are not eligible to enroll in PNC points at this time.

    Please refer to the Terms and Conditions for more details.
  • How do I find my point balance?
    You can find your PNC points account information on your Rewards Center page in PNC Online Banking or the PNC Mobile Banking app.
  • How do I find my points balance?
    Your points balance will be displayed at the top of every page. You can also review your points balance in the "My Account" section of the program website or access your PNC points account information by visiting the Rewards Center page in Online Banking or Mobile Banking app. Your points balance is also printed on your monthly credit card statement.
  • How quickly will points be credited to my rewards program account?
    Points for purchases will generally be posted to your PNC points account within 90 days.
  • In my transaction history, I see the words "Original Purchase." What does that mean?
    Original Purchase means this is an item you have purchased that earns points in your PNC points account.
  • In my transaction history, I see the words "Original Credit (Return)." What does that mean?
    Original Credit (Return) indicates you made a qualifying purchase that you later returned. The points you earned when you purchased the item are subtracted from your PNC points account balance when your return of the item posts to your account.
  • I tried to make a purchase with my PNC points Visa or PNC Flex Visa credit card and it was declined.
    PNC determines whether your card will be accepted when you use it to make a purchase, and your participation in PNC points does not affect card acceptance. Contact us at the number shown on your monthly statement about your card being declined.
  • I tried to make a purchase with my PNC points Visa or PNC Flex Visa credit card and it was declined.
    PNC determines whether your card will be accepted when you use it to make a purchase, and your participation in PNC points does not affect card acceptance. Contact us at the number shown on your monthly statement about your card being declined.
  • I've noticed a discrepancy in my PNC points Visa or PNC Flex Visa credit card account transactions and points earned.
    It may take up to 90 days for some of your points earned from certain purchases to be posted to your PNC points account. This discrepancy may also occur if some of your Visa purchases were not purchases.
  • Is it possible to have a negative points balance?
    Yes. Returns, credits or charge backs on your PNC points Visa or PNC Flex Visa credit card account will be posted to your PNC points account as negative points. This may cause a negative points balance in your PNC points account until you earn additional points to bring your balance above zero.
  • Do my points ever expire?
    Unredeemed points expire at the end of the 48th month after the month in which they were posted to your PNC points account. Since you may not be provided with notice of expiration of points, you should check your PNC points account periodically to monitor your points.
  • Why were my points forfeited? How can I get them back?
    You will forfeit all of your points in your PNC points account if your underlying PNC points Visa or PNC Flex Visa credit card is closed by you or us for any reason, or your participation in PNC points is terminated by you or us for any reason.
    Once the points are forfeited, you cannot get them back, even if your underlying PNC points Visa or PNC Flex Visa credit card is reinstated or you re-enroll in PNC points. You will not be provided any notice of forfeiture of points in your PNC points account.
Use Points
  • How do I use my points?
    You can use your program points for rewards either online, or by phone at 1-855-PNC-RWDS (1-855-762-7937). Using points for rewards is similar to shopping online – you just use points to "pay" for your reward. Just select the reward you'd like, place it in your online shopping cart and follow the easy instructions to finalize your order. For more information on travel redemption rules please click here.
  • How do I use my points?
    You can use your program points for rewards either online, or by phone at 1-855-PNC-RWDS (1-855-762-7937). Using points for rewards is similar to shopping online – you just use points to "pay" for your reward. Just select the reward you'd like, place it in your online shopping cart and follow the easy instructions to finalize your order. For more information on travel redemption rules please click here.
  • When can I start using points?
    You can start redeeming the points accrued to your PNC points account as soon as they are posted to your account.
  • How long does it take to receive a reward?
    Generally, rewards will be sent to you within four weeks of placing your rewards order.
    Electronic gift cards will be available as soon as you have entered the redemption PIN code on the merchant's website and any other confirmation information required by the merchant.
  • Do gift cards expire?
    Expiration dates vary depending on the merchant, so please refer to the gift card usage terms provided in the catalog or on the gift card you receive.
  • Can rewards lost or stolen be replaced?
    No, we cannot replace lost or stolen rewards.
  • Can rewards be shipped to foreign countries?
    PNC points only ships rewards within the United States and to APO/FPO addresses. Rewards are not shipped to U.S. territories such as American Samoa, Guam, Mariana Islands, Puerto Rico and the U.S. Virgin Islands.
  • Will I be charged any shipping and handling charges for merchandise and gift cards?
    No, we do not charge shipping or handling fees for standard delivery of merchandise and gift cards.
  • What happens if a reward I've ordered is out of stock?
    Although rare, occasionally rewards will be out of stock. You will be sent a back order notification by mail that will include an estimated ship date. Generally, your rewards order will be sent to you within four to six weeks of placing your rewards order, or shipped as soon as the reward is back in stock.
  • Can I return or exchange my reward?
    No, rewards cannot be returned or exchanged. However, merchandise rewards can be returned to us if they are damaged and you return them within 10 days of your receipt of the reward. Please contact us for return shipping instructions. Certificates/gift cards/digital rewards and other non-merchandise rewards cannot be returned or exchanged.
Account Activity
Rewards
Communications
  • How can I get Rewards emails?
    You can sign up to receive Rewards emails from us. These emails contain key program information, hints on how to earn more and highlight featured redemption options.
    PNC reserves the right to cancel this email program at any time for any reason.
  • How will you use my email address?
    We may email you information about any changes in your PNC points account, including profile updates and redemption requests.
  • What if I prefer not to receive any emails?
    You can choose not to receive any electronic communications from us. Go to Communications, and you can update your preferences.
  • What if I would like to receive updates to my terms and conditions and other program disclosures by email?
    You can indicate your PNC points program disclosure preference to receive future updates to your program terms and conditions and certain other disclosures by email from PNC points. If you did not indicate your preference to receive these and you decide you would like to receive these terms and conditions by email, go to Communications, and you can change your preference.
  • How do I know if my email address has been confirmed?
    If your email address is not already confirmed, you will see an Email Address Confirmation Required message on the Welcome page that will include a link to resend the confirmation email. If you do not see an Email Address Confirmation Required message, your email address has been confirmed and you do not need to take any further action.
Security and Data Use
  • Is redeeming points online secure?
    We highly value our cardholders' security and have made points redemption on the PNC points website extremely safe. Please read privacy policy for more information.
  • What are cookies and does the PNC points website use them?
    A cookie is a small data file that contains a unique identifier. Cookies can be used to store information about you and your web server session on your hard drive. Cookies can also be used to link your computer to information stored in a separate location. See privacy policy for a description of the PNC points program use of cookies.
  • How do I know the emails I get from PNC points are legitimate?
    PNC points will send you emails for your PNC points account that will include PNC Rewards in the sender's name. We will NEVER ask you for personal information or to verify anything about your PNC points Visa or PNC Flex Visa credit card account by email. Requests like these are often scams and PNC and Visa take great care to avoid sending any email that could be confused with these scams. If you receive an email purporting to be from PNC that you believe is not legitimate, please forward it to abuse@pnc.com.
  • Why do I need to set up security questions?
    Security questions are another way to verify who you are. For example, security questions allow you to change sensitive profile information such as your PNC points Username or password without having to contact us.
  • What if I cannot remember the answer to my security questions?
    If you do not answer your security questions correctly or cannot remember the answers, you will need to contact us.
Travel Information
Customer Service
  • What happens if my card is lost or stolen?
    If your card is lost or stolen, contact PNC at 1-855-762-7937 (1-855-PNC-RWDS). If PNC provides you with a replacement card, you will not lose the points in your PNC points account and you will continue to earn points, even if that replacement card has a different card number.
  • How can I get additional information about PNC points?
    For more information about PNC points, please refer to the Help section's Frequently Asked Questions of this website and to the PNC points terms and conditions.
  • Why isn't my browser working with your site?
    To access information online, you need an Internet browser (Microsoft® Internet Explorer version 8.0 or higher, Firefox version 14.0 or higher, Safari version 6.0 or higher) supporting 128-bit encryption and an email account. If you use an older version of one of these browsers (including any versions of Netscape Navigator and AOL®), you could experience technical difficulties with activities on the site. You may download the latest versions of these browsers from the links below:
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    For specific information on enabling or disabling your pop-up messages, please see the help section on your browser.
    If you continue experiencing problems, please contact us.
Types of qualifying purchases.
"Qualifying Purchases" consist of the following types of purchases, made with a Visa credit card enrolled in PNC points and processed or submitted through the Visa U.S.A. Inc. payment system:
  • Purchases you sign for (purchases using your PIN code do not earn points)
  • Internet purchases
  • Phone and mail order purchases
  • Bill payments
  • Contactless purchases (purchases made by holding your Visa card or other device up to a secure reader instead of swiping your card)
  • Small dollar purchases for which the merchant does not require you to sign
Certain exclusions apply.
Use your Visa card for in-store purchases.
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