PNC points Visa Credit Card holders get benefits including:

The PNC points Visa Credit Card earns four points per dollar on all purchases. You can earn up to 75% in bonus points if you have a Performance Select checking account or Virtual Wallet with Performance Select with PNC Bank that meets minimum balance or direct deposit requirements.

Annual fee: Neither card has an annual fee.

Rewards: Using the PNC points Visa Credit Card, you can earn four points per dollar on all purchases. With the Chase Freedom Flex, you will earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, 5% cash back on travel purchased through Chase, 3% cash back on dining at restaurants and drugstores and 1% cash back on all other purchases.

Sign-up bonus: The PNC points Visa Credit Card does not offer a sign-up bonus. With the Chase Freedom Flex, when you spend $500 on purchases in your first 3 months from account opening, you will earn a $200 sign-up bonus.

Benefits: With the PNC points Visa Credit Card, you will get travel and emergency protection and zero dollar liability for fraudulent charges. As a Chase Freedom Flex cardholder, you will get zero liability for unauthorized charges, purchase protection, extended warranty coverage and fraud protection.

Annual fee: The PNC points Visa Credit Card has a $0 annual fee. The Blue Cash Preferred Card from American Express has a $0 introductory annual fee for one year, then a $0 introductory annual fee for the first year, then $95 annual fee.

Rewards: You will earn four points per dollar on all purchases with the PNC points Visa Credit Card. Using the Blue Cash Preferred Card from American Express, you will earn 6% cash back on up to $6,000 in spending each year at U.S. supermarkets (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations and on transit (including taxis, ride-hailing services, parking and buses), and unlimited 1% cash back on other purchases.

Welcome offer: There is no introductory bonus offered by the PNC points Visa Credit Card. The Blue Cash Preferred Card from American Express earns a $300 statement credit when you spend $3,000 in purchases on your new Card within the first 6 months.

Benefits: The PNC points Visa Credit Card offers cardholders travel and emergency protection and zero dollar fraud liability for fraudulent charges. Cardholders of the Blue Cash Preferred Card from American Express will get benefits including car rental loss and damage insurance, a global assist hotline and fraud protection.