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    • Stack of Money

      Earn unlimited cash back2,3

    • Swipe and Contactless

    • Dollar Sign Crossed Out in Circle

      No Annual Fee6

    • Circle with Check Mark

      Discount on PensGear7

  • Purchase. Earn. Redeem:

    With the Penguins® Cash Back Credit Card, you can use your card anywhere Visa is accepted to conduct everyday purchases and earn cash back2. For added convenience and more rewards, consolidate your monthly bills on one statement for one convenient monthly payment. Earn unlimited cash back rewards on all qualified purchases.3

    Discount on Ticket Purchases and PensGear

    • Receive discounts on ticket purchases when using your Penguins Cash Back Credit Card
    • Receive a 15% merchandise discount7 on all purchases made at any of the PensGear retail shops.
      • PPG Arena Main Team Store
      • UPMC Lemieux Sports Complex
      • SouthSide Works Store
    • Exclusive benefits when paying for season tickets with your Penguins® Power Play Package account
    • Additional benefits throughout the season for Penguins® Power Play Package customers

    Key Features:

    • Earn 1% cash back rewards on all qualified purchases2
    • Earn double points on purchases for the first 90 days from account opening
    • No Annual Fee (Please review rates and fees in the pricing information link below for costs associated with this credit card)
    • Competitive Variable APR
    • For a faster checkout experience, this card can be used as a contactless card using near field communications (NFC) to securely complete payments at a contactless-enabled merchant terminal. You can also use the chip and magnetic stripe payment methods on the card.

    Great For:

    • 15% merchandise discount at any PensGear retail shop and discounts on ticket purchases when you use your Penguins® credit card7
    • Everyday purchases from groceries to gas to monthly bills
    • Consolidating your monthly expenses on one convenient monthly bill
    • Earning cash back

    Important Considerations:

    Interest Rates Please enter a Zip Code to view rates in your area.

  • Qualifying for a Penguins® Cash Back Credit Card:

    FNB uses credit score, employment history, monthly debt payments and income among other factors when considering whether or not to approve your application.

    The Borrowing Process:

    Our objective is to make the borrowing process simple and straightforward. To apply for a Penguins® Cash Back Credit Card, you will want to have the following information available for your branch visit:

    Required Identification:

    • A non-expired ID (driver’s license, state-issued ID, Military ID, passport, or Permanent Resident Card and visa)

    Getting Prepared:

    While you won't need this for your initial visit to start the application process, as we evaluate your application, we may ask you for additional pieces of information. You may be asked:

    • To verify your income
    • To provide bank statements
    • To provide tax documents

Compare all accounts. This comparison chart makes it easy to compare all of our borrowing options.

Browse all

Compare all accounts. This comparison chart makes it easy to compare all of our borrowing options.

Compare all

Still not sure? Answer a few quick questions to help you find the right borrowing option.

Help me decide

Still not sure? Answer a few quick questions to help you find the right borrowing option.

Help me decide

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Notices & Disclosures

1 - All loan products are subject to credit approval 
2 - Every dollar in qualifying purchase transactions minus returns or adjustments ("Net Purchases") that you make with your First National Bank Visa Credit Card with ScoreCard Rewards earns rewards points.
3 - No points are earned for finance charges, fees, cash advances, foreign transaction currency conversion charges, ATM withdrawals, balance transfers or insurance charges posted to your account.
4 - Rewards points expire five years after they are earned. You will be notified on your monthly statement in advance of any point expiration.
5 - View the ScoreCard Rewards program rules for more information
6 - Learn more about FNB's Penguins® Cash Back 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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