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    • Points icon

      Earn cash back2

    • Stack of Money

       No limits on cash back3

    • Credit Cards

      Redeem for gift cards

    • Dollar Sign Crossed Out in Circle

      No Annual Fee6

  • Purchase. Earn. Redeem:

    With the FNB SmartCashSM Credit Card1, 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 rewards2,3 and redeem for cash.

    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

    Great For:

    • 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 for Zip Code 20149
  • Qualifying for an FNB SmartCash 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 an FNB SmartCashSM 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

Products With You In Mind

FNB offers a full breadth of products and services for your needs.

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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 - FNB SmartCash Credit Card Pricing Information

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