I'm assuming you are in the US? There are usually 6 paid holidays. New Years, Memorial Day, July 4th, Labor Day, Thanksgiving and Christmas. The occasional employer will pay Easter as well but that's not too common. If their policy is to pay the holiday whether you work it or not then you will see holiday pay on your check stub when those come around.
It's kind of a stinker that vacation, sick time and personal time all come out of the same PTO bank. If they are including sick time in that it does cut into potential vacation time if you need to it.
The PTO/hr they are offering isn't great, but it's also not the worst I've seen. If the rest of the pay/benefit package is otherwise good you might find the PTO perfectly acceptable.
Plus a lot will ride on how good the employer is overall. If it's a job you think you would like that's just as important as the benefit package. Notice I didn't include pay there though, like the job or not you have to consider if the pay/benefits package is at least competitive for your job market before accepting.