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FNB SmartCashSM Credit Card

Earn 2% cash back rewards on all qualified purchases.

Use your FNB SmartCashSM Credit Card1 to make everyday purchases and watch the rewards add up. Earn 2% 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:

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Game-changing. Time-saving. Apply for multiple financial products simultaneously with our eStore® Common app.

    • 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 2% cash back rewards on all qualified purchases2
    • No rotating reward categories or quarterly rewards activation
    • 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 the following factors, among others, when considering whether to approve your application:

    • Credit score
    • Employment history
    • Monthly debt payments and income
    • Amount and type of collateral

    To apply, you will need:

    Required Identification:

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

    Additional Information:

    While you won't need this 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.
    • Provide bank statements.
    • Provide tax documents.

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.

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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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