PNC Bank Unveils Tiered TotalRewards Program with $25K-$500K Benefits
PNC Bank launched PNC TotalRewards, a tiered loyalty program offering fee waivers, credit card points and cash rewards to clients with 90-day average balances of $25,000 (Silver), $100,000 (Gold) or $500,000 (Platinum). National rollout begins this spring after successful employee and Chicago pilots, enhancing client retention and deepening banking relationships.
1. Program Features
PNC TotalRewards provides consumer clients with transparent, relationship-based perks including select fee waivers on deposit accounts, tiered credit card point earnings and cash rewards on eligible lending solutions. Clients can monitor and redeem rewards through Online and Mobile Banking, statements or branch visits to maximize value from day one.
2. Tier Thresholds and Enrollment
Clients with a 90-day average balance of $25,000, $100,000 or $500,000 across eligible deposit and investment accounts qualify for Silver, Gold or Platinum tiers, respectively. There are no enrollment fees, automatic tier advancement as balances grow and military members automatically receive Silver tier benefits. Gold and Platinum clients also gain access to PNC’s Priority or Concierge Care Centers.
3. Pilot and Rollout
An internal pilot launched in May 2025 and a client pilot in Chicago began in late February 2026, gathering feedback to refine the program experience. Based on positive early insights, PNC plans a phased national rollout of TotalRewards later this spring.
4. Strategic Importance
TotalRewards complements PNC Premier Client services by deepening customer relationships and incentivizing higher deposit and investment balances. The program aligns with PNC’s aim to become clients’ primary bank, boost retention and drive cross-sell of retail and wealth management offerings.