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If you’re a frequent traveler, you know that having the right credit card can make all the difference. The PNC Travel Credit Card is a popular choice for those who want to earn rewards while traveling. In this article, we’ll take a closer look at the features of this card and whether it’s worth considering for your next trip.
What is the PNC Travel Credit Card?
The PNC Travel Credit Card is a rewards credit card offered by PNC Bank. As the name suggests, the card is designed for people who travel frequently and want to earn rewards on their purchases. The card comes with a range of benefits, including points that can be redeemed for travel, no foreign transaction fees, and travel insurance.
What are the features of the PNC Travel Credit Card?
The PNC Travel Credit Card comes with a number of features that make it a popular choice for travelers. Here are some of the key features:
- Earn 2 miles per dollar on all purchases
- No foreign transaction fees
- Redeem miles for travel, gift cards, or cash back
- Travel insurance, including trip cancellation/interruption coverage, travel accident insurance, and baggage delay coverage
- Extended warranty and purchase protection
- 24/7 concierge service
How do the rewards work?
With the PNC Travel Credit Card, you earn 2 miles per dollar on all purchases. There is no limit to the number of miles you can earn, and the miles never expire as long as your account is open and in good standing. You can redeem your miles for travel, gift cards, or cash back. The redemption value varies depending on how you choose to use your miles, but generally, you’ll get the most value if you use them for travel.
What are the fees and interest rates?
Like most credit cards, the PNC Travel Credit Card comes with fees and interest rates. Here are some of the key fees and rates:
- Annual fee: $0 for the first year, then $85 per year
- APR: 15.99% – 24.99% variable, depending on your creditworthiness
- Balance transfer fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash advance fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
Is the PNC Travel Credit Card worth it?
Whether or not the PNC Travel Credit Card is worth it depends on your individual needs and spending habits. If you travel frequently and want to earn rewards on your purchases, this card could be a good choice for you. The rewards program is competitive, and the card comes with a range of benefits that can make your travels more enjoyable. However, if you don’t travel often or if you’re looking for a card with a lower annual fee, you may want to consider other options.
Conclusion
Overall, the PNC Travel Credit Card is a solid choice for frequent travelers who want to earn rewards on their purchases. The rewards program is competitive, and the card comes with a range of benefits that can make your travels more enjoyable. However, it’s important to weigh the annual fee and other fees against the benefits to determine if this card is right for you.
FAQ
What is the APR for the PNC Travel Credit Card?
The APR for the PNC Travel Credit Card is 15.99% – 24.99% variable, depending on your creditworthiness.
Does the PNC Travel Credit Card have an annual fee?
Yes, the PNC Travel Credit Card has an annual fee of $0 for the first year, then $85 per year.
Can I redeem my miles for cash back?
Yes, you can redeem your miles for cash back, but you may get a lower redemption value than if you use them for travel or gift cards.
Is the PNC Travel Credit Card good for international travel?
Yes, the PNC Travel Credit Card is a good choice for international travel because it has no foreign transaction fees and comes with travel insurance.
Does the PNC Travel Credit Card offer purchase protection?
Yes, the PNC Travel Credit Card comes with purchase protection that covers you against damage or theft of eligible purchases for 90 days after purchase.