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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:

    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.

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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