The Best PNC Credit Card in 2026: PNC Points
By USA Card Comparer editorial team ?� Last reviewed
PNC Points is our pick for the best PNC credit card in 2026. Best for travel rewards It carries no annual fee, a rewards rate of 2x points on travel, 1x other, and a signup bonus of 25,000 points ($250 value) after $1000 in 90 days. We reviewed all 3 PNC cards in our catalog ?�� this one offers the strongest overall value for most applicants.
At a glance
| Annual fee | No annual fee |
| Rewards | 2x points on travel, 1x other |
| Signup bonus | 25,000 points ($250 value) |
| Minimum spend for bonus | $1000 in 90 days |
| Regular APR | 20.49% - 27.49% Variable |
| Intro APR | 0% for 12 months |
| Foreign transaction fee | 0% of spend |
| Recommended credit score | Good |
| Approval odds (editorial estimate) | 80% |
Why it is our top PNC pick
- 25,000 points ($250 value)
- 0% for 12 months intro APR
- Best for travel rewards
The signup bonus is where this card separates itself: 25,000 points ($250 value) for $1000 in 90 days ?�� one of the strongest welcome offers in the PNC lineup. Approval odds for applicants with good credit are an editorial estimate of 80%. An intro APR of 0% for 12 months gives new purchases breathing room. The 0% foreign transaction fee makes it a genuine travel companion abroad.
Who this card is best for
Best for travel rewards
Other PNC cards worth comparing
- PNC Cash Rewards ?�� No annual fee ?� 4% cash back on gas, 3% on dining, 2% on groceries
- PNC Core Visa ?�� No annual fee ?� 0% on balance transfers for 15 months
The bottom line
If you want one PNC card, PNC Points is the one we would apply for first: no annual fee, 2x points on travel, 1x other, and 25,000 points ($250 value). Check the full breakdown, then compare it side by side with the rest of the market before you commit.