The PNC points® Visa® Acclaim Agenda ability accomplish you feel like you’re on an “Oprah” betrayal show. With an antithesis amount of 4 credibility for every $1 you spend, it seems as if you could about aloof appearance up with the agenda and walk abroad with a points-heavy award-winning package.
But afore you get bent up in a rewards-induced rush to absorb that cache, you accept to booty into annual the amount of those credibility — and that’s area the card stumbles.
Here are five things you should apperceive about the PNC points® Visa® Acclaim Card:
You can addition that amount alike higher if you authorize for one of PNC’s relationship bonuses, which action an added 25%, 50% or 75% benefit on abject points for those who qualify. This could beggarly an eye-popping 7 credibility per dollar spent for those in the accomplished tier.
If you appetite to accumulation up credibility through accustomed spending, the PNC points® Visa® Acclaim Agenda will advice you accomplish that goal. You can redeem for things like cash, travel, allowance cards and merchandise.
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For banknote aback and allowance cards, a PNC point is worth 0.2 cents (and potentially beneath for merchandise). That’s a abject appraisal aback compared with abounding added rewards cards that earn points admired at a abounding penny or added each.
Granted, the PNC points® Visa® Acclaim Card earns added absolute credibility per dollar spent than does abundant of the competition. But it’s accessible to accede the math.
For example, a antithesis of 50,000 credibility on the PNC points® Visa® Acclaim Card can be adored for $100 cash. But for cards that amount credibility at a penny a piece, those aforementioned 50,000 credibility would get you $500 in cash.
Put addition way: If you’re earning 4 credibility for every $1 spent with the PNC points® Visa® Acclaim Card, that agency you’d charge to absorb $12,500 to acquire $100 back. But if you spent that aforementioned $12,500 on a flat-rate cash-back agenda that nets you a simple 2% aback on every purchase, you’d acquire $250 in banknote back.
An barring to the card’s 0.2 cent point appraisal is accretion for airfare. A PNC agent addendum that credibility are annual the best aback adored for flights, followed by hotels and again cash.
According to PNC, a Cleveland-to-Chicago round-trip abridgement flight that’s priced at $212.40 would crave 70,800 points. In this scenario, a point is annual 0.3 cents — hardly better, but still far, far beneath per point than what added cards offer.
To be fair, at an earning amount of 4 credibility per $1 spent with the PNC points® Visa® Acclaim Card, you’re accepting 1.2 cents’ annual of amount out of anniversary $1 spent, if you redeem for flights. Essentially, for airfare, you could snag a admission by spending beneath on the agenda than you would with some competitors. And that’s not demography into annual any PNC accord bonus.
But affluence of added rewards cards can booty you further and with beneath complexity.
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Speaking of complexity, in abounding cases the breakdown of how abounding PNC credibility you charge for a accurate account can be a head-scratcher. A $25 Amazon allowance agenda will amount you 11,539 points. And a $100 Amazon allowance agenda will amount you 45,111 points. Since you’re earning credibility in multiples of 4, cashing in for one of these allowance cards guarantees you’ll accept a adamantine time application up all your points.
You’ll additionally appetite to do some algebraic and allegory analysis if you’re because redeeming credibility for merchandise. The Nerds begin examples in which credibility were annual as little as 0.1 cents anniversary via the PNC aperture aback compared with dollar prices for those items on accepted retail websites.
You may be bigger off with a agenda that doesn’t crave you to cull out a calculator to actuate what affectionate of amount you’re accepting aback you redeem for commodity or travel.
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Many rewards cards about action some blazon of acceptable action for affair a minimum spending requirement. But the PNC points® Visa® Acclaim Agenda does not, which knocks it bottomward a few pegs aback compared with added no-annual-fee rewards cards.
So while you’ll get a lot of ongoing credibility with the PNC points® Visa® Acclaim Card, you won’t get annihilation upfront. Addition rewards agenda may net you more, at atomic in the aboriginal year.
» MORE: NerdWallet’s best credit agenda benefit offers
You charge to alive in a accompaniment area the coffer has a physical area in adjustment to administer for the PNC points® Visa® Acclaim Card. PNC has branches in: Alabama, Delaware, the District of Columbia, Florida, Georgia, Illinois, Indiana, Kentucky, Maryland, Michigan, Missouri, New Jersey, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Virginia, West Virginia and Wisconsin.
If you can’t alarm one of these places home, you won’t be acceptable for the PNC points® Visa® Acclaim Card.
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