In short, no. You get 4 points for every dolar you spend on the card. That's the upside. PNC has a mall where you redeem your points for gift cards and merchandise. I like KFC. For 3500 points I received a $5.00 gift certificate. At that rate a point is one-seventh of a cent. Of course the fact you get 4 points for each dollar spent makes each point worth four sevenths or slightly more than half a cent. They have almost no travel benefits either. If this card had an annual fee, I would have dumped it long ago.