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Personal Credit Cards

Enjoy financial convenience and peace of mind.

We make it easy for you to choose a card that fits your lifestyle. Whether you're looking to earn cash rewards for everyday purchases or you want the flexibility of low interest rates to manage debt, we've got you covered.

  1. FNB SmartCash℠ Credit Card

    FNB Smartcash Credit Card

    Use your FNB SmartCash Card to make everyday purchases and watch the cash rewards add up. Earn 1% cash back rewards on all qualified purchases. Redeem in $25 or $50 increments through automatic deposit into your FNB checking account. Cash rewards can also be redeemed for a vast array of retailer gift cards!

    • Earn cash Back
    • No limit on cash back
    • Redeem for gift cards
  2. FNB SmartRewards℠ Credit Card

    FNB SmartRewards Credit Card

    It's never been easier to score valuable rewards. Earn 1 point for every $1 spent on qualified purchases. Redeem for top name-brand merchandise, gift cards, cruises, car rentals, vacation packages and more!

    • Earn points on qualifying purchases
    • No limit on points earned3
    • Redeem points for travel, merchandise, and more
  3. FNB SmartRate℠ Credit Card

    FNB SmartRate Credit Card

    With 0% introductory APR6 for the first 12 months and a variable APR of 16.24% - 24.24%6 after based on your creditworthiness, you'll save with lower rates. Even if you carry a balance, start paying less from day one (see important pricing information below.6)

    • Save with lower rates on purchases
    • Save with lower rates on balance transfers
    • No Annual Fee.6
  4. Penguins® Cash Back Credit Card

    Penguins Credit Card

    Our Penguins®-branded Visa credit card is designed for Pens fans who value simplicity; no rotating or tiered reward categories. You can earn 1% cash back on all qualified purchases. You also receive discounts on game ticket purchases and 15% merchandise discounts7 on all purchases made at any of the PensGear retail shops.

    • Earn unlimited cash back2,3
    • Swipe and Contactless
    • No Annual Fee6

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Notices & Disclosures

1 - All loan products are subject to credit approval
2 - A qualifying purchase (“Qualifying Transaction”) shall mean: (i) a transaction that is charged to an eligible credit card account covered by the Program (“Account”), and (ii) a transaction that appears on Your statement during the Program period. Points are deducted for returns. No Points are earned for finance charges, fees, balance transfers, cash advances, convenience checks, ATM withdrawals, foreign transaction currency conversion charges or insurance charges posted to Your Account.
3 - Points can be used to order only the awards (“Award(s)”) available in the current Program. You may select Awards from any level, as long as You have a sufficient number of Points available in Your Account as of the date Your redemption is processed.
4 - Points expire five years after they are earned. You will be notified on your periodic account statement in advance of any point expiration.
5 - View the ScoreCard® Rewards Bonus Point Program Rules for more information.
6 - FNB SmartRate Credit Card Pricing Information
7 - Some restrictions apply. Valid in PensGear stores only. Not valid for online purchases. Penguins® Power Play Package can be canceled at any time. If you wish to cancel your package stop by your local branch or call 1-800-555-5455, Monday-Friday 8:00 AM – 9:00 PM, Saturday and Sunday 8:00 AM – 5:00 PM.

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