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FNB SmartCashSM Credit Card

Earn 1% cash back rewards on all qualified purchases.

Use your FNB SmartCashSM Credit Card1 to make everyday purchases and watch the rewards add up. Earn 1% cash back rewards on all qualified purchases.2 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.3

To Apply Now or Schedule an Appointment:

    • 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 Fee4

  • Purchase. Earn. Redeem:

    With the FNB SmartCashSM Credit Card1, you can use your card anywhere Visa is accepted to conduct everyday purchases, earn unlimited rewards and redeem for cash2,3. For added convenience and more rewards, consolidate your monthly bills on one statement for one convenient monthly payment.

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

  • 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

  • Earn double rewards on fuel purchases.

    1. 300 dollars
      Promo 1

      Earn 2% cash back on fuel purchases.

      Promotion:

      • Existing Smart Cash Cardholders: Earn 2% cash back on fuel purchases at service stations from June 1, 2022 - July 31, 2022. No action required.
      • New Smart Cash Cardholders: Earn 2% cash back on fuel purchases at service stations from June 1, 2022 - July 31, 2022, coupled with double cash back on all purchases for the first 90 days from account opening for a total of 4% cash back on fuel purchases over the first 90 days from account opening.
      • Total Cash Back rewards are capped at $150 in earned rewards for this fuel purchase promotion.

With any card, you also get:

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

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

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

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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 - FNB SmartCash Credit Card Pricing Information.

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