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BBVA > PNC credit card integration update

ChargedUp
Valued Contributor

Re: Bbva credit card integration update


@JNA1 wrote:

@ChargedUp wrote:

For those of us that have AOD, Clearpoints became redundant. I now use Max Cash for utilities so losing Clearpoints isn't a great loss, but PNC would've been wise to add a Max Cash type card product to replace the BBVA cards with a superior product vs. their fixed category card. 


I have had the AOD card since June of last year, but it didn't make our ClearPoints cards redundant for us because of the the excellent targeted offers and Simple Cash Back offers. They were still usually one of our monthly top cash back earners until they discontinued the targeted offers after June. 

I have the PNC Cash Rewards card already, so I wonder if they'll let me have two or force me to go with the Points card. Honestly, I'd probably rather just combine the CLs and have one Cash Rewards card, but I don't know if they would allow that. 


I tended to forget about those as they rarely worked for anything I needed. I think I used a Burger King and a Starbucks offer in the whole time I've had Clearpoints.  I wonder if it's because I rarely used the card for anything besides utilities?

AODFCU 3% Visa ($10K), Amex PRG (NPSL), Amex Blue Cash ($27K), Amex Simply Cash+ ($4K), Amex Business Cash ($22.5K), Discover ($29.7K), Cap 1 Union Plus MC ($2500), Chase FU Visa Sig ($12K), Chase F Visa Sig ($8.3K), Chase CSP Visa Sig($6.5K), FCB/Elan Rewards Visa Sig($15K), Buckle ($1.3K), BofA AAA Rewards ($84.5K), Paypal credit ($10K), BBVA Clearpoints ($7.5K), Cap 1 Savor ($13K), PenFed PCR ($3500), Bank of the West CB MC ($3K), PNC Cash Rewards ($14K), NASAFCU Rewards Visa ($20K), BOC/Elan Max Cash MC ($25K), BoA Business Customized Cash Rewards MC ($8k)
Message 21 of 191
Flfico
Regular Contributor

Re: Bbva credit card integration update


@Roger1071549 wrote:

The attraction for me was 3% card that included different categories (like healthcare). It was similar to the custimized cash from BOA. Nothing amazing but better than either of the cards PNC is offering. 


Personally I find 4% at gas stations year round more useful than choose a 3% category. There are very few cards that offer greater than 3% on gas year round and it fits nicely during quarters when I don't have gas as a rotating category. YMMV

Message 22 of 191
JNA1
Valued Contributor

Re: Bbva credit card integration update


@ChargedUp wrote:

@JNA1 wrote:

@ChargedUp wrote:

For those of us that have AOD, Clearpoints became redundant. I now use Max Cash for utilities so losing Clearpoints isn't a great loss, but PNC would've been wise to add a Max Cash type card product to replace the BBVA cards with a superior product vs. their fixed category card. 


I have had the AOD card since June of last year, but it didn't make our ClearPoints cards redundant for us because of the the excellent targeted offers and Simple Cash Back offers. They were still usually one of our monthly top cash back earners until they discontinued the targeted offers after June. 

I have the PNC Cash Rewards card already, so I wonder if they'll let me have two or force me to go with the Points card. Honestly, I'd probably rather just combine the CLs and have one Cash Rewards card, but I don't know if they would allow that. 


I tended to forget about those as they rarely worked for anything I needed. I think I used a Burger King and a Starbucks offer in the whole time I've had Clearpoints.  I wonder if it's because I rarely used the card for anything besides utilities?


IDK - I pretty much used mine strictly for utilities as well, but I frequently got 4X - 7X targeted offers on groceries, dining, gas, and pharmacies one month.  We used DW's primarily as de facto Walmart card because our Walmart codes as groceries.  

Our credit card journey started 3/2018

Hover over cards to see limits and usage.
Total CL - $352,250
Cash Back and SUBs earned as of 10/1/21- $6823.23

CU Memberships

Goal Cards:


Message 23 of 191
cr101
Established Contributor

Re: Bbva credit card integration update

Clearpoints users are still in limbo. I hope that I get the Cash Rewards card bc the Points card doesn't even pay 1% if you redeem points for a Target card. If you get the bonus by having one of their checking accounts, the most you'd get is 1.5% back (at least when redeeming for a Target card).

 

And, can their checking account names be anymore confusing? 🤣 It took me way too long to figure out that some of those accounts were not the same.

Message 24 of 191
777isgreaterthan666
Established Member

Re: Bbva credit card integration update


This is a bummer but honestly the cash rewards doesn't look too bad. I'm really wondering what they'll do with mine since I have 4 cards with BBVA. 4 cash rewards cards maybe? Lmao also wondering how these will report? Like I wonder if the BBVA will show as closed and then 4 new accounts show up under pnc with no history on them? 

Message 25 of 191
777isgreaterthan666
Established Member

Re: Bbva credit card integration update

Honestly that points card looks like garbage lmao confusing point structure and they make it look like you're getting all these points but really getting like 1% back on each purchase lol

Message 26 of 191
JNA1
Valued Contributor

Re: Bbva credit card integration update


@777isgreaterthan666 wrote:

Honestly that points card looks like garbage lmao confusing point structure and they make it look like you're getting all these points but really getting like 1% back on each purchase lol


I was really hoping PNC would adopt the ClearPoints rewards structure to their Points card, but it doesn't seem like that's going to happen. 

Our credit card journey started 3/2018

Hover over cards to see limits and usage.
Total CL - $352,250
Cash Back and SUBs earned as of 10/1/21- $6823.23

CU Memberships

Goal Cards:


Message 27 of 191
Bestman79
Valued Member

Re: Bbva credit card integration update

Same here, I have 3 cards with BBVA all under 1 year.  Upon receiving the welcome packet Friday in the mail I called PNC as I couldn't find the answer to my question within the materials.  My question to PNC was will they be honoring the 0% intro APR that some of us have on our BBVA cards? After a brief hold the CSR could not confirm either yes or no at this time. I too am concerned about losing account history.  Of all the different credit monitoring services I  have, a month ago I noticed only Wallet Hub now has all my BBVA accounts renamed to PNC. So I take that as a good sign that we'll maintain account history (HOPEFULLY). If given the chance I'd combine limits on all 3 cards to end up with 1 PNC Cash Rewards.  

AMEX BCE=$1K HSBC GOLD=$2.5K DISCO IT=$10.5K COMMERCE VISA=$3K HSBC
REWARDS=$2.5K PPMC=$10K US BANK KROGER MASTERCARD=$8K AMEX HILTON HONORS=$9K AMEX DELTA BLUE=$1K WELLS FARGO PROPEL=$3.2K NAVY FED MORE REWARS=$11K LOWES= $35K TARGET=$2.4K KOHLS=$2K NAVY FED CLOC=$500 DELL=$4.5K IKEA=$19K PEN FED PCR=$15K PEN FED VS=$15K PAYPAL CREDIT=$10K BBVA CLEAR POINTS=$12K BBVA REWARDS= $12K BBVA CLEAR POINTS=$12K NAVY FED FS=$25.4K MACY AMEX=$25K FNBO=$13.1K HUNTINGTON VOICE=$6.1K DISCO IT=$6K NAVY FED PLATINUM=$25K APPLE CARD=$4K

TCL=$305,700
Message 28 of 191
CreditJourney007
Frequent Contributor

Re: Bbva credit card integration update

Welp, I have ClearPoints and the Rewards card, so I guess if I have a choice, I will PC to one of each....

Message 29 of 191
cr101
Established Contributor

Re: Bbva credit card integration update


@CreditJourney007 wrote:

Welp, I have ClearPoints and the Rewards card, so I guess if I have a choice, I will PC to one of each....


Wait. They allow PCs? If they do, is there a credit check?

Message 30 of 191
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