{"id":"pnc-purchase-payback","name":"PNC Purchase Payback","provider":"PNC","entitlement_type":"card-linked-offer","entitlement_type_label":"Card-linked offer","entitlement_type_context":{"definition":"A targeted merchant reward or statement credit that must be activated for an eligible payment card before a qualifying transaction.","domain":"financial-rewards","archetype":"conditional-offer","agent_instruction":"Disclose targeting, activation, eligible card, merchant, transaction, expiration, and personalization requirements."},"summary":"Personalized cash-back or points offers for eligible PNC Visa cardholders, presented through PNC digital banking.","benefit":{"description":"Cash or points after satisfying a personalized Purchase Payback offer with an eligible card.","estimated_value_usd":null},"discovery":{"focus":"redeemable-value","has_estimated_dollar_value":false},"access":{"relationships":["PNC cardholder"],"requirements":"Hold an eligible PNC Visa debit or credit card in good standing, activate the offer when required, and use that card for a qualifying purchase under the offer terms.","activation":"View Purchase Payback in PNC Online Banking or the mobile app; activate offers that are not already pre-activated, then pay with the listed eligible card.","cost_basis":"requires-purchase","cost_basis_label":"Qualifying purchase required","cost_basis_context":{"classification":"conditional-spend","definition":"The benefit is earned only when the user makes an eligible underlying purchase.","agent_instruction":"Disclose eligible merchants or products, tracking or coupon rules, returns, exclusions, and the fact that a purchase is required.","variation_patterns":null,"does_not_mean":null},"fees":"No separate program fee; underlying account terms apply.","personalized":true,"regions":["US"],"expires":null},"status":"verified","last_checked":"2026-08-04","claim_url":"https://www.pnc.com/en/personal-banking/banking/rewards/pnc-purchase-payback.html","source_url":"https://www.pnc.com/content/dam/pnc-com/pdf/personal/CreditCards/purchase-payback-terms.pdf","source":{"primary_url":"https://www.pnc.com/content/dam/pnc-com/pdf/personal/CreditCards/purchase-payback-terms.pdf","evidence":[{"source":"Provider","url":"https://www.pnc.com/content/dam/pnc-com/pdf/personal/CreditCards/purchase-payback-terms.pdf","kind":"provider","checked_at":"2026-08-04"}]},"parent":null,"coverage":null,"web_url":"/benefits/pnc-purchase-payback","taxonomy":{"version":"1.0","url":"/api/v1/taxonomy"}}