Frequently Asked Questions
If you have questions about PNC Commercial Card Rewards and how it works, you’ll find the answers here.

Use Points
  • How do I use my points?
    You can use your program points for rewards either online, or by phone at 1-888-919-3173. Using points for rewards is similar to shopping online – you just use points to "pay" for your reward. Just select the reward you'd like, place it in your online shopping cart and follow the easy instructions to finalize your order. For more information on travel redemption rules please click here.
  • When can I start using points?
    You can start redeeming the points accrued to your PNC Commercial Card Rewards account as soon as they are posted to your account.
  • How long does it take to receive a reward?
    Generally, rewards will be sent to you within four weeks of placing your rewards order.

    Electronic gift cards will be available as soon as you have entered the redemption PIN code on the merchant's website and any other confirmation information required by the merchant.
  • Is the cash value award a statement credit or check?
    The cash value award available in the catalog is provided in the form of a check mailed to your address on file. If you have not received your cash value award within four weeks or have additional questions about the cash value award, please contact us.
  • Do reward certificates/gift cards expire?
    Expiration dates vary depending on the merchant, so please refer to the certificate/gift card usage terms provided in the catalog or on or with the certificate/gift card you receive.
  • Can rewards lost or stolen be replaced?
    No, we cannot replace lost or stolen rewards.
  • Can rewards be shipped to foreign countries?
    PNC Commercial Card Rewards only ships rewards within the United States and to APO/FPO addresses. Rewards are not shipped to U.S. territories such as American Samoa, Guam, Mariana Islands, Puerto Rico and the U.S. Virgin Islands.
  • Will I be charged any shipping and handling charges for merchandise and gift cards?
    No, we do not charge shipping or handling fees for standard delivery of merchandise and gift cards.
  • What happens if a reward I've ordered is out of stock?
    Although rare, occasionally rewards will be out of stock. You will be sent a back order notification by mail that will include an estimated ship date. Generally, your rewards order will be sent to you within four to six weeks of placing your rewards order, or shipped as soon as the reward is back in stock.
  • Can I return or exchange my reward?
    Rewards cannot be returned or exchanged. However, merchandise rewards can be returned to us if they are damaged and you return them within 10 days of your receipt of the reward. Please contact us for return shipping instructions. Certificates/gift cards/digital rewards and other non-merchandise rewards cannot be returned or exchanged.
  • What types of rewards are available for redemption?
    You can use points for travel reservations including airfare, hotel, car rental, and cruises, must-have electronics and gadgets, digital and physical gift cards to name-brand restaurants and retailers, cash back and more!
Travel Information
Customer Service
  • What happens if my card is lost or stolen?
    If your PNC Commercial card is lost or stolen, first call us at 1-800-685-4039 (for calls from outside the U.S., the phone number is 1-706-644-3224). Then, if your lost or stolen PNC commercial card is enrolled in PNC Commercial Card Rewards, contact us. When you receive a replacement card, you will not lose the points in your rewards program account and you will continue to earn points for qualifying purchases , even if your replacement card has a different card number.
  • How can I get additional information about PNC Commercial Card Rewards?
    For more information about the rewards program, please refer to the Help section's Frequently Asked Questions of this website and to the program Terms and Conditions. The program Terms and Conditions are accessible when you are in the process of enrolling in PNC Commercial Card Rewards, or by clicking the Terms and Conditions link at the bottom of each page of the website once you are logged in.
Only Qualifying Purchases with an enrolled PNC commercial card can earn points. A "Qualifying Purchase" is any signature-based or PIN-based purchase, Internet purchases, phone or mail order purchases, bill payments, contactless purchases (purchases made by holding your PNC commercial card or other device up to a secure reader instead of swiping your card), or small dollar purchases for which you are not required to sign, made with an enrolled PNC commercial card. Payments of existing card balances, balance transfers, cash advances, ATM transactions, convenience checks, Interlink-processed transactions, fees charged by us (for example, annual fees, finance charges, and related service charges, if any apply), payments made for pre-paid and re-loadable cards such as certain gift cards and similar cards, and payments made for payment instruments that can readily be converted to cash (for example, travelers cheques, money orders, wire transfers, and similar products or services) are not Qualifying Purchases. We reserve the right to determine in our sole discretion whether a particular PNC commercial card transaction is a Qualifying Purchase.