PNC Spend Wise
Earn Rates
| Category | Rate | True cash-back value |
|---|---|---|
| Everything else | 0% | 0% |
True value converts point multipliers to dollars using MaxWorth point valuations. Issuer-portal-exclusive rates are excluded.
Credits (1)
$25 Digital Subscription Credit
Up to $25 in annual subscription service credits for Spotify, Netflix, and/or Disney+. Pay for eligible subscription services with your PNC Spend Wise card to receive statement credits automatically.
Protections (3)
Cell Phone Protection
Cell phone protection covers up to $800 per claim if your cell phone is damaged or stolen, when you pay your monthly cell phone bill with your PNC Spend Wise card. Maximum 2 claims per 12-month period.
Price Protection
Price Protection reimburses you the difference (up to $1,000) if an item you purchased with the card is advertised for a lower price within 60 days of purchase.
Porch Piracy Protection
Porch Piracy Protection reimburses up to $10,000 per claim if a purchase made with the card is stolen from your porch or doorstep within 90 days of the purchase date.
Stop tracking this in a spreadsheet.
The MaxWorth app tracks all 4 PNC Spend Wise benefits automatically — redemption progress, reset dates and expiry alerts.