If you're tired of navigating category restrictions when earning rewards, applying for a points card with a straightforward earning structure, like the PNC Points® Visa®, could be worth considering. Review: Is the PNC Points Visa the best credit card for you? While it's not one of the best balance transfer credit cards, it does offer an introductory offer on balance transfers. Most folks will do better with a different no-annual-fee card. However, PNC points are worth much less than most other credit card rewards, and redemption options can be restrictive. Show Pros, Cons, and More chevron down icon An icon in the shape of an angle pointing down.Įarns 4x points on all purchases and offers a welcome bonus and intro APR with no annual fee.