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FNB SmartSecuredSM Credit Card

A credit card designed to build your credit.

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.

To Schedule an Appointment:

    • Guaranteed icon

      Build up your credit history

    • Percent Sign in Circle

      Competitive interest rates

    • Dollar Sign Crossed Out in Circle

      No annual fee2

    • Credit Cards

      Enjoy global acceptance with Visa

  • A secured credit card to build credit history:

    With the FNB SmartSecured Credit Card, you can establish a credit history and build your credit score — even if you’ve been turned down for credit in the past. Using your card regularly and responsibly can help to unlock new opportunities and borrowing options.

    Key Features:

    • No Annual Fee (Please review rates and fees in the pricing information link below for costs associated with this credit card.)
    • Competitive Variable APR
    • Contactless Purchases

    Key Benefits:

    • Flexible spending power
    • Choose your credit line with a one-time deposit, starting at $500
    • 24/7 fraud monitoring

    Great For:

    • Establishing a credit profile
    • Repairing a damaged credit profile
    • Customers who have been turned down for credit in the past
    • Everyday purchases from groceries to gas to monthly bills
    • Consolidating your monthly expenses on one convenient monthly bill

    Important Considerations:

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

  • Qualifying for an FNB SmartSecured Credit Card:

    The FNB SmartSecured Credit Card requires an initial deposit ($500-$25,000) into an FNB Savings Account to set your credit limit. FNB also uses credit score, employment history, monthly debt payments and income, among other factors, when considering whether or not to approve your application.

    Required Identification:

    To apply, you will need 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.

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.

Compare all

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 - View the FNB SmartSecured Credit Card Pricing Information for more information

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