Warranty it, IMO. PNY's cards have been lackluster, IMO, I've had two die on my in the last 10 years. But it's generally been an issue with their fans. Which saddens me, because they used to be top-notch some time ago, offering an at-the-time unprecedented lifetime warranty.
Luckily, last I heard they were still good at honoring their warranties. Unfortunately, without seeing the other side of the card, it's hard to say what burned out. A spider could've caused a short (I've seen it kill a modem in the 90's!), for all I can tell.