Personal Credit Cards

Earn cash back purchases you make every day with your FNB SmartCash^SM Card.¹ Earn 2% cash back rewards on all qualified purchases.¹¹ 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.¹²

• Earn cash back¹¹
• No limit on cash back¹²
• Redeem for gift cards

With 0% introductory APR¹³ for the first 12 months and a variable APR of 16.24% - 24.24%¹³ after based on your creditworthiness, you'll save with lower rates. Even if you carry a balance, start paying less from day one. See important pricing information below.¹³

• Save with lower rates on purchases¹
• Save with lower rates on balance transfers¹
• No annual fee.¹³

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– $2,000), it works just like other credit cards.

• Build up your credit history
• Competitive interest rates
• No annual fee¹⁴

It's never been easier to score valuable rewards. Just use your FNB SmartRewards^SM Credit Card¹ to make everyday purchases and watch the rewards add up. Earn 1 point for every $1 spent on qualified purchases.¹⁵ Redeem for top name-brand merchandise, gift cards, cruises, car rentals, vacation packages and more!^16,17

• Earn points on qualifying purchases
• No limit on points earned¹⁶
• Redeem points for travel, merchandise, and more

Our Penguins®-branded Visa credit card is designed for Pens fans who value simplicity; no rotating or tiered reward categories. You can earn 2% cash back on all qualified purchases. You also receive discounts on tickets to Penguins games and 15% merchandise discounts¹⁸ on all purchases made at any of the PensGear retail shops.

• Earn cash back^11,12
• Swipe and contactless
• No annual fee¹⁹