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      Build up your credit history

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      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 for Zip Code 20149
  • Qualifying for an FNB SmartSecured 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.

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.

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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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