PNC Premier Traveler Card Review

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The PNC Premier Traveler Visa Signature is value contemplating if you wish to earn a flat charge of rewards for a low annual payment. Cardholders get entry to a singular choice of buying, sports activities, journey, and leisure perks. However you will not have the ability to switch your miles to airline or resort companions, and there are extra invaluable card choices in the marketplace. 

Evaluate: Is the PNC Premier Traveler the perfect bank card for you?

The PNC Premier Traveler Visa Signature is a good possibility for folk seeking to earn easy rewards on all purchases. Plus, it fees a $0 annual payment for the primary 12 months, then $85. It has some first rate journey advantages, and new cardholders can earn 30,000 bonus miles after you make $3,000 in purchases in the course of the first 3 billing cycles following account opening. 

You possibly can earn limitless 2x miles on all purchases, which is good for individuals who do not need to hold monitor of bonus classes.

An effective way to make use of PNC miles is by redeeming them for journey bills. Whenever you redeem your miles as assertion credit — both by way of the PNC Rewards Heart in On-line Banking or with a PNC buyer care consultant — you’ll be able to apply miles in the direction of earlier purchases. Miles may also be used to redeem for brand spanking new bookings (like customized holidays, cruises, and journey packages).

As a result of it is a Visa Signature card, it gives a singular choice of particular occasion gives and reductions, together with complimentary wine tasting at over 60 Sonoma County wineries, most popular occasion entry, and museum membership. Cardholders additionally obtain entry to the Visa Signature Luxurious Lodge Assortment, which gives resort advantages like VIP Visitor standing, late checkout, and room upgrades. However these perks are removed from premium. 

Sadly, PNC Financial institution is not at present partnered with any airways or lodges. With most journey playing cards, reward miles develop into extra invaluable after being transferred to an out of doors airline or resort accomplice, and never having choices with the PNC Premier Traveler Visa Signature decreases its general worth and attraction. In the event you’re searching for a card with transferable rewards and extra profitable advantages, there are many different journey bank cards in the marketplace — and for the same annual payment. 

The Chase Sapphire Most well-liked® Card, for instance, earns invaluable Chase Final Rewards® factors — that are transferable to well-liked airline and resort companions (similar to British Airways,  IHG Rewards, JetBlue, and lots of extra). The cardboard additionally earns as much as 5x factors on purchases, for a $95 annual payment. 

One other nice journey rewards card to think about is the Citi Premier® Card, additionally for a $95 annual payment. It is at present providing a beneficiant bonus of 80,000 bonus ThankYou® Factors after you spend $4,000 in purchases inside the first 3 months of account opening, and as much as 3x factors on purchases. Citi cardholders get $100 off a single resort keep of $500 or extra as soon as per calendar 12 months, and a choice of different strong advantages, together with a number of switch companions.  

So though the PNC Premier Traveler Visa Signature gives some first rate occasion perks and a easy rewards-earning construction, there are arguably extra invaluable journey rewards bank cards out there. 

We’re targeted right here on the rewards and perks that include every card. These playing cards will not be value it for those who’re paying curiosity or late charges. When utilizing a bank card, it is necessary to pay your steadiness in full every month, make funds on time, and solely spend what you’ll be able to afford to pay.

Tips on how to earn miles with the PNC Premier Traveler Visa Card

Incomes miles with the PNC Premier Traveler Visa Signature is easy. You will earn a limiteless 2x miles on all purchases, and there are not any class restrictions. Nevertheless, there are not any further bonus classes to earn miles on. 

Tips on how to use miles earned with the PNC Premier Traveler Visa 

The PNC Premier Traveler Visa Signature permits you to redeem miles to offset choose journey bills by way of your PNC Premier Traveler Account, as financial credit score, a direct deposit, or a deposit to an eligible PNC Investments LLC account. 

Take into account that you may must have a minimum of 5,000 miles in your PNC Premier Traveler Account to redeem for journey bills, or a minimal of 1,000 miles to redeem as financial credit score. 

You will get the perfect worth once you use your miles for journey. They’re value 1 cent apiece once you redeem them for journey purchases made in your card inside the final 90 days, or for reserving new journey by way of PNC’s journey catalog. Nevertheless, for those who redeem for financial credit score/direct deposit, your miles are solely value half a cent every.

Reward card redemptions are additionally out there, however the redemption charge varies.

PNC Premier Traveler Visa Card advantages and options  

Cellular phone safety

Whenever you pay your wi-fi invoice with the PNC Premier Traveler Visa Signature, you are eligible for cellular phone safety within the occasion of harm or theft. There is a most of $800 per declare and two claims (most $1,600) in a 12-month interval, with a $50 deductible.

Visa Signature advantages

PNC Premier Traveler Visa Signature cardholders obtain premium advantages and reductions. You will obtain a singular portfolio of lodges, most popular occasion entry and museum membership, complimentary wine tasting at over 60 Sonoma County wineries, entry to sporting occasions, and particular gives at premium retailers. 

Visa Signature Luxurious Lodge Assortment

As a part of the Visa Signature Luxurious Lodge Assortment, you may get a handful of first rate resort perks together with VIP Visitor standing, 3 p.m.check-out upon request, automated room upgrades, and extra. 

24/7 Visa Signature Concierge

With the PNC Premier Traveler Visa Signature you may get complimentary help with tickets, reservations, and extra. 

Journey accident insurance coverage

Within the occasion of an unintended bodily damage occurring for a coated particular person(s) whereas on a coated journey, you’ll be able to obtain protection as much as $500,000 per accident so long as you booked your journey together with your PNC Premier Traveler Visa Signature.

Journey and emergency help companies

Whenever you’re touring away from dwelling, you’ll be able to obtain emergency help from the Profit Administrator with native emergency and help assets 24/7. You might be nonetheless accountable for the price of any precise medical, authorized, transportation, money advance, or different companies or items offered. 

Misplaced baggage reimbursement

In the event you’ve paid your fare with the PNC Premier Traveler Visa Signature, you may be eligible to obtain protection on checked baggage or carry-on baggage if they’re stolen or misplaced by a standard service.

Emergency card substitute and emergency money disbursement

You may get 24/7 worldwide companies if you want to exchange your card or obtain emergency money. 

Roadside dispatch

You will get pay-per-use roadside help wherever you go. However remember the fact that the price of any precise companies known as is your duty. To make use of this profit, name 800-847-2869.

Journey delay reimbursement

For every bought ticket together with your PNC Premier Traveler Visa Signature, you’ll be able to obtain as much as $300 to cowl bills similar to meals and lodging within the occasion your journey is delayed for greater than 12 hours attributable to coated hazards. 

NortonLifeLock

You will get entry to ID Navigator Powered by NortonLifeLock for instruments that can assist you defend your identification and detect potential threats.

Zero legal responsibility fraud safety

You will not be held accountable for the unauthorized use of misplaced or stolen playing cards. However be sure that to inform PNC instantly as a way to obtain this profit. 

Misplaced/stolen card reporting

In the event you had been to lose or have your card stolen, you’ll be able to immediately report the cardboard.

Charges and prices

The PNC Premier Traveler Visa Signature has a 0% APR on steadiness transfers for the primary 12 billing cycles following account opening when the steadiness is transferred inside the first 90 days following account opening (then a 19.74% Variable APR). Which means it is a first rate possibility for folk seeking to pay down earlier bank card debt with out incurring extra curiosity. 

The cardboard fees a $0 annual payment for the primary 12 months, then $85 annual payment. It additionally has a steadiness switch payment, a money advance payment, a late fee payment, and a return fee payment. There isn’t any international transaction payment, so it is a good card for worldwide purchases. 

PNC Premier Traveler vs different PNC bank cards

*You are capped on the first $8,000 in mixed purchases on 4%, 3%, and a pair of% bonus classes yearly (1% then after). 

PNC Premier Traveler vs different journey rewards playing cards

*You are capped on the first $8,000 in mixed purchases on 4%, 3%, and a pair of% bonus classes yearly (1% then after). 

PNC Premier Traveler Visa Card ceaselessly requested questions (FAQ)