{"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":"PNC Purchase Payback is a no-fee program that shows eligible PNC Visa debit and credit cardholders personalized cash or points offers in PNC Online Banking and the PNC Mobile App. Some offers are pre-activated and others require activation before purchase.","benefit":{"description":"After an eligible card makes a qualifying purchase under the personalized offer terms, PNC awards cash or points. Cash is normally credited by the 20th of the month after the qualifying purchase posts, although some online or foreign transactions can take up to 90 days; points follow the applicable card rewards terms.","estimated_value_usd":null},"discovery":{"focus":"redeemable-value","has_estimated_dollar_value":false},"access":{"relationships":["Eligible PNC Visa debit or credit cardholder"],"requirements":"Hold an eligible personal or business PNC Visa debit card, PNC Cash Rewards Visa credit card for cash rewards, or eligible PNC points Visa credit card for points; keep the card in good standing; activate the offer when required; and use the listed card for a qualifying purchase under the offer's merchant, channel, amount, and timing terms.","activation":"Sign in to PNC Online Banking or the PNC Mobile App, open the Purchase Payback offers in the PNC Rewards Center, activate any offer that is not already pre-activated, review its exact terms, and pay with the eligible PNC Visa card shown for the offer.","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":"There is no fee to participate in Purchase Payback, but an underlying account or card can have its own fees, interest, and terms, and a qualifying purchase is required. Mobile and data charges can apply.","personalized":true,"regions":["US"],"expires":null},"status":"verified","last_checked":"2026-08-26","verification":{"checked_at":"2026-08-06T00:56:47.796Z","outcome":"confirmed-exact","evidence_quality":"provider","checked_url":"https://www.pnc.com/en/personal-banking/banking/rewards/pnc-purchase-payback.html"},"verification_readiness":{"status":"audit-confirmed-exact","latest_outcome":"confirmed-exact","latest_checked_at":"2026-08-06T00:56:47.796Z","interpretation":"The latest official-source audit confirmed every normalized term it tested."},"claim_url":"https://www.pnc.com/en/personal-banking/banking/rewards/pnc-purchase-payback.html","action_url":"https://andrewsfreebies.com/go/entitlement/pnc-purchase-payback?from=api","official_action":{"allowed":true,"status":"ready","reason":"The latest official-source audit confirmed every normalized term it tested."},"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":"PNC current Purchase Payback overview and how-it-works instructions","url":"https://www.pnc.com/en/personal-banking/banking/rewards/pnc-purchase-payback.html","kind":"provider","checked_at":"2026-08-26"},{"source":"PNC Purchase Payback terms effective July 1, 2025","url":"https://www.pnc.com/content/dam/pnc-com/pdf/personal/CreditCards/purchase-payback-terms.pdf","kind":"provider","checked_at":"2026-08-26"}]},"parent":null,"coverage":null,"web_url":"/benefits/pnc-purchase-payback","taxonomy":{"version":"1.0","url":"/api/v1/taxonomy"}}