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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 SmartCashSM Credit Card

    FNB Smartcash Credit Card

    Earn cash back purchases you make every day with your FNB SmartCashSM Card.1 Earn 2% cash back rewards on all qualified purchases.11 Enjoy the flexibility to either redeem the rewards directly into your FNB checking account, or turn them into gift cards for a vast array of popular retailers and services.12

    • Earn cash back11
    • No limit on cash back12
    • Redeem for gift cards
  2. FNB SmartRateSM Credit Card

    FNB SmartRate Credit Card

    With 0% introductory APR13 for the first 12 months and a variable APR of 17.24% - 25.24%13 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.13

    • Save with lower rates on purchases1
    • Save with lower rates on balance transfers1
    • No annual fee.13
  3. FNB SmartSecuredSM Credit Card

    FNB SmartSecured Credit Card

    Whether you’re looking to establish credit for the first time or you need to repair a poor credit score, the FNB SmartSecured Credit Card1 can put you on the road to a successful financial future. With an FNB Savings Account deposit equal to your credit limit ($500– $25,000), it works just like other credit cards.

    • Build up your credit history
    • Competitive interest rates
    • No annual fee14
  4. FNB SmartRewardsSM Credit Card

    FNB SmartRewards Credit Card

    It's never been easier to score valuable rewards. Just use your FNB SmartRewardsSM Credit Card1 to make everyday purchases and watch the rewards add up. Earn 1 point for every $1 spent on qualified purchases.15 Redeem for top name-brand merchandise, gift cards, cruises, car rentals, vacation packages and more!16,17

    • Earn points on qualifying purchases
    • No limit on points earned16
    • Redeem points for travel, merchandise, and more
  5. 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 2% cash back on all qualified purchases. You also receive discounts on tickets to Penguins games and 15% merchandise discounts18 on all purchases made at any of the PensGear retail shops.

    • Earn cash back11,12
    • Swipe and contactless
    • No annual fee19

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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 - View the FNB SmartCash Credit Card Pricing Information for more information
5 - View the FNB SmartRate Credit Card Pricing Information for more information
6 - View the FNB SmartSecured Credit Card Pricing Information for more information
7 - 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.
8 - 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.
9 - View the FNB SmartRewards Credit Card Pricing Information for more information
10 - 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.
11 - Learn more about FNB's Penguins® Cash Back Credit Card Pricing Information

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