mountaindewvoltage wrote:
dragontears wrote:sorry to burst your bubble but this card is not "new" and has been discussed in the past
Not sure why you want to discuss a card worse than ones you trashed 2 days ago
It says "new" in a banner on the picture of the card.
Not sure why you think you can dictate what I'd like to discuss on the boards. Here's your answer: BECAUSE I WANT TO.
How do you like that?
And if I may... dragontears has a good reason to dragon snap at you. You are sort of contracting yourself on this one IMO.
You were trashing Capital One in another thread and describing your definition of "prime" and "top tier" cards are. PNC doesn't check all those boxes as what you expect out of a prime card so not sure why you are looking at a less than "top tier" card.
Let's outline the potential upsides to this card that you pointed out:
2% cash back. In that same post you said "2% back cards (Citi Double Cash) ... are much better for the average cardholder.". So then you are aware of the 2% DC and how its redemption is easier than card that only lets you get 2% when redeemed for travel. So for daily spend, there are better 2% cards than the PNC.30000 points for $3000 spend in 3mo. There are many cards that have a better signup bonus [see above].$85 annual fee. There are many cards that have lower annual fee with similar benefits [see above].- I'm Adding -
0% intro APR on BT for 12mo. You said "top tier" cards are double QS' 9mo. So this card isn't even up to your expectations of what makes a good BT card.
Yes, Capital One might not be "top tier". But they do have soft CLIs every 6 month and will definitely grow with you. They are willing to work with those that have less than "prime" credit. Some start off with a $300 QS1 and within a couple years can get a $20-40K Venture. Also sometimes they have random 0% BT offers.
PNC, on the other hand, is dishonest with their points cards... teasing people with 4X and up to 75% bonus when their points are worth fractions of a penny and even with a bunch of bonuses they net no better than a 2% card and probably closer to a 1.5% card. That is shameful. At least C1 is honest and straight forward about their offerings.
So if you objectively ignored the brands of the cards...PNC Premier Travel Rewards vs Capital One Venture:
Card 1 = 2% cash back for travel, 30000 points for $3000 in 3mo, $85 AF
Card 2 = 2% cash back for travel, 40000 points for $3000 in 3mo, $59 AF
It is clear cut that the Venture is better in every way except the BT, but since you didn't list it... it isn't a priority to you at this time.