PNC SmartAccess Prepaid Visa Card

Bankrate’s 2015 Prepaid Debit Card Survey offers a rundown of the card’s many variables, including fees, restrictions and factors that may affect a consumer’s decision in choosing a prepaid debit card. The PNC SmartAccess Prepaid Visa Card comes with a $5 monthly maintenance fee, but no fee for point-of-sale transactions.

PNC SmartAccess Prepaid Visa Card

Bankrate.com surveyed 31 prepaid debit card offers Feb. 2-10, 2015. These are the resulting fees, restrictions and other card provisions.

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PNC Bank Offers New Travel Rewards Visa Card

PITTSBURGH – PNC began offering the PNC Premier Traveler Visa Signature credit card Monday, a card that awards users two miles for every dollar they spend on qualifying purchases. Gift cards are excluded.

The annual fee of $85 is waived the first year, PNC said, and it will not charge a foreign transaction fee when a customer uses it to withdraw cash at an ATM owned by another financial institution. In addition, the cardholder enjoys its Visa Signature perks that include 24/7 concierge service reservations and ticketing.

“From generous earning opportunities to exclusive travel perks and protection, PNC’s Premium Traveler card gives cardholders everything they need,” Todd Rosenthal said in a prepared statement. “Unlike some other travel cards, there are no blackout dates or reward caps or categories to remember.

Rosenthal is PNC general manager for credit cards.

Cardholders can redeem their miles as a statement credit to cover what they charge related to hotel stays, car rentals. cruises and rail travel, PNC said.

  • Points do not expire on miles awarded.
  • No blackout periods on airline travel.
  • 30,000 bonus miles when the cardholder makes $3,000 in qualifying purchases within three months of opening a Premier Traveler account.
  • Lost luggage reimbursement, travel accident insurance, travel and emergency assistance services and Roadside Dispatch.

Copyright 2017 The Business Journal, Youngstown, Ohio.

Published by The Business Journal, Youngstown, Ohio.

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How do you obtain a PNC gift card?

Most PNC bank branches offer the PNC gift card. However, although only an existing PNC bank customer can purchase the card, anyone can use it for purchases.

How do you find your PNC bank routing number?

How do you pay off a PNC bank loan?

The PNC bank Visa gift card carries a fixed cash amount as loaded by the client. Owners can use the prepaid card for purchase payments in all locations that accept Visa debit cards. As with regular gift cards, the purchase amount is automatically deducted from the preloaded amount. The card is usable until the balance is zero or the card expires.

Users activate the card by calling the bank's customer service department. The required information is the 16 digit card number and the three digit code on the signature panel, after which the bank issues a PIN. The user can either use the card using a PIN or signature. PINs are only usable at merchant locations, while the signature is usable in all qualifying retailers and merchants. However, do note that the merchant cannot offer cash back for card value and the card is not usable for ATM withdrawals.

The purchaser selects the dollar amount before purchasing the card from the bank. The minimum amount is $25, as of 2015. However, a chief disadvantage associated with the PNC Gift card is the high fees. The purchase fee is $3.50, followed by an inactivity fee of $2.50 per month, as of 2015.


Best Credit Cards for Foreign Transactions

Consider transaction fees when you travel Paris or London or anywhere overseas.Pnc signature card

As the world gets smaller and more and more of us shop online, you may find yourself using your credit cards to place orders from businesses that operate overseas. If you travel regularly, you will also likely have used your Visa, MasterCard or American Express while traveling abroad. What you may not know is that your credit card issuer likely charges additional fees on these transactions. When you receive your bill, you may not even see these fees, as they will simply be wrapped into the total that appears in US dollars on your credit card statement. What are typical fees and which credit cards are the best choices if you will be making foreign transactions regularly?

A 1% currency conversion fee has long been standard when you make foreign transactions using your credit card and is charged by both Visa and MasterCard. The international Visa and MasterCard associations make the currency exchange, and charge this fee to the issuing bank. In many cases, that fee is then passed to the consumer. While you may not be able to avoid this fee, many banks add additional 1% to 3% fees onto each foreign currency transaction.

Most banks do charge these fees, however several major credit card issuers do not. If you regularly expect to be making foreign transactions with your credit cards, consider using one of these banks. Capital One, Discover Card, and Fleet Boston do not charge additional fees on international transactions. Moreover, Capital One does not pass along that 1% conversion fee to the customer, making it an ideal choice for foreign transactions via credit card. Capital One also does not charge fees for ATM usage abroad.

Five Best Credit Cards for Traveling Worldwide with No Foreign Transaction Fee

Discover Card is another option for foreign transactions, although may be less widely accepted. No additional fees are charged for currency conversion or foreign ATM usage.

Chase, Citibank and Bank of America all charge 3% transaction fees, as well as fairly substantial ATM fees. If you routinely use one of these cards while traveling, you may be able to save by switching to a Capital One card for your travels and international shopping. American Express charges a 2.7% fee on international transactions (which may have recently been raised to 3% on most of their cards). You may have to turn to credit unions such as PenFed and see how they compare on foreign exchange rates and fees.

Schwab Bank makes it a clear point in their bullet points for their First Invest Visa that they have no foreign transaction fees. You also get 2% cash back from Schwab with this credit card.

The PNC Bank Visa Signature Rewards Card makes it as plain as daylight they are not going to charge you foreign transaction fees. PNC lists this as a bullet under their features in bold. They must be going after the thousands of FlyerTalk.com forum readers who have been complaining for months that we need a card niche for this purpose. That is a benefit that everyone should brag about. There is one catch that is not as clear with the PNC Bank card where you earn 1 point per dollar spent. If you do not get approved for the $75 a year Signature Rewards Card you get downgraded to a $0 annual fee card that charges a 3% foreign transaction fee.

If you are unsure of the fees charged by your bank, take the time to call. While this information is typically available in the fine print you received when you applied for the card, most of us are unaware of these potential fees and costs.


RewardsCreditCards.org ∙ The Best Points & Mileage Credit Cards

PNC Bank was founded in Pittsburgh, Pennsylvania in 1852, under the former name of the Pittsburgh National Corporation. When it merged with Provident National Corporation, the two banks formed a new company called PNC Financial. PNC Bank is familiar to consumers in eastern central states from Kentucky to Pennsylvania and New York. Today, PNC Bank offers services to consumers from over 2,500 branch locations as well as 15 states including the District of Colombia. PNC Bank provides a variety of personal, small business and corporate options for consumers, including a handful of PNC bank rewards cards.

Types of PNC Bank Rewards Cards

PNC Bank Rewards cards offer consumers a variety of options when it comes not only to cards, but rewards earning and redemption. Personal credit cards offered by PNC Bank that offer rewards include:

• PNC Cash Builder Visa

• PNC Points Visa

Each of these programs offers a variety of rewards.

PNC Bank also offers a variety of PNC Bank Rewards cards beneficial to business owners including:

• PNC Points Visa Business

• PNC Travel Rewards Visa Business

• PNC Visa Business

• PNC Visa Signature Business Options

Each of the three personal PNC Bank Rewards cards offers a variety of awards. The Cash Builder Visa earns 1.25% cashback on purchases, and additional options to earn even more cashback (between 1.50% and 1.75%) on purchases or higher spending, when you consistently meet your minimum balances, and/or adhere to direct deposit requirements for qualifying checking accounts at the bank.

The Points Visa card offers 4 points for every dollar spent in qualifying purchases, and the Flex Visa also enables cardholders to earn 4 points for every dollar spent on qualifying purchases.

PNC Bank Rewards cards options vary for the business cards. Key features of the business cards range between the options of earning 5 points for every dollar spent in qualifying purchases to 1 trip mile for every dollar spent in net purchases. A variety of business advantages also apply to the PNC Bank rewards cards including:

• Auto collision waiver

• Business hotel savings

• Tracking and report spending

• Enhanced protection and purchase security

• Visa liability waivers

These cards provide a variety of redemption options, from cashback to gift cards, merchandise, electronics, and travel.

Annual Percentage Rates and Fees

The annual percentage rates and fees will depend on the type of card you get as well as your credit history and perceived creditworthiness by PNC Bank. Some offer a 0% introductory APR on balance transfers for the first year, after which the APR on purchases and balance transfers applies.

• PNC Cash Builder Visa – 12.99% to 21.99% APR

• PMC Flex Visa – 10.99% to 19.99%

When it comes to the PNC Bank rewards cards for businesses, purchase APRs are based as follows:

• Points Visa Business – 10.99% to 19.99%

• Travel Rewards Visa Business – 10.99% to 19.99%

• Visa Business – 9.99% to 19.99%

• PNC Visa Signature Business Options – 10.99% to 16.99%

The personal PNC Bank Rewards cards do not charge any annual fees. As for most common business cards, only the PNC Bank Visa Signature Business card comes with an annual fee of $500 a year, but that fee is waived if purchases in the previous year equal $100,000 or more. The other three business credit cards do not have an annual fee either.