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    • Points icon

      Earn points on qualifying purchases

    • Growth

      No limit on points earned3

    • Umbrella

      Redeem points for travel, merchandise and more

    • Dollar Sign Crossed Out in Circle

      No Annual Fee6

  • Purchase. Earn. Redeem:

    With the FNB SmartRewardsSM Credit Card1, you can use your card anywhere Visa is accepted to conduct everyday purchases and earn valuable rewards2. For added convenience and more rewards, consolidate your monthly bills on one statement for one convenient monthly payment. Earn rewards3,4 and redeem points for top name-brand merchandise, gift cards, cruises, car rentals, vacation packages and more5.

    Key Features:

    • Earn 1 point per $1 in qualifying purchases with no earning limit2
    • 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 valuable rewards

    Important Considerations:

  • Qualifying for an FNB SmartRewardsSM 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 SmartRewards 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 - 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.
3 - 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.
4 - Points expire five years after they are earned. You will be notified on your periodic account statement in advance of any point expiration.
5 - View the ScoreCard® Rewards Bonus Point Program Rules for more information.
6 - FNB SmartRewards Pricing Information 

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