PNC Product Change

[Semi_Lost_Hiker]

So I called in to PNC credit card customer service to try to PC my old CashBuilder to a PNC Points card and I was told that it was not possible to PC between PNC cards, only to apply for a new one. Has anyone else had any luck doing a PC with PNC or are you stuck sticking unhelpful but old cards in the sockdrawer?

[kdm31091]

I don’t know about doing the PC but be careful with their points card. It earns 4 points per dollar but at redemption works out to basically a 1% return or even less. So you’re probably never going to beat your cashbuilder with the points system.

[FinStar]

Unfortunately, PNC doesn't PC any of their products.

[Semi_Lost_Hiker]

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@kdm31091 wrote:
I don’t know about doing the PC but be careful with their points card. It earns 4 points per dollar but at redemption works out to basically a 1% return or even less. So you’re probably never going to beat your cashbuilder with the points system.

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The CashBuilder only earns 1.5% and minimum redemption is $50. I put all my miscellaneous purchases on my Citi DoubleCash so really only keep one recurring membership on it to keep it alive. Since points don't have the minimum redemption I figured it would be better to redeem them than have cash back expire before it hits the $50 redemption.

[Semi_Lost_Hiker]

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@FinStar wrote:
Unfortunately, PNC doesn't PC any of their products.

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Thank you

[Anonymous]

Does the PNC cash rewards have the same redemption minimum? I have been interested in it as a gas card since I still do not have a consistent one in my wallet.

Cash builder with a minimum of 50 is brutal.

[Semi_Lost_Hiker]

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@Anonymous wrote:
Does the PNC cash rewards have the same redemption minimum? I have been interested in it as a gas card since I still do not have a consistent one in my wallet.

Cash builder with a minimum of 50 is brutal.

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Cash Rewards has a $25 redemption minimum, it's not awful for gas(4%)/restaurants(3%) but I think there are better options out there.

[Anonymous]

My significant other refuses to leave PNC bank, so my joint account will ultimately be through them. Why not have a card through them? Also a lot of Costco gas stations in the area so VISA is a must.

4% at a minimum of $25 isn't the end of the world. Thanks for your insight! Any insight you can give me on underwriting through them? Regional banks like them tend to be selective.

[TheAuthorizedUser]

What about the Costco Citi VISA? 4% on Gas also..

[Anonymous]

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@TheAuthorizedUser wrote:

What about the Costco Citi VISA? 4% on Gas also..

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I have a weird thing about my credit card account being attached to a wholesale club, even if I do not plan to cancel. If you do not renew your Costco membership, do they PC you to another card?

Plus Citi never gives me any prequal love.