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FNB SmartRateSM Credit Card

Save with low interest rates.

A lower interest rate with our FNB SmartRateSM Credit Card1 can help you save on the cost of debt by making it easier to pay down your balance faster. With 0% introductory APR2 for the first 12 months and a variable APR of 17.24% - 25.24% 2
 after based on your creditworthiness, you'll save with lower rates.1 Even if you carry a balance, start paying less from day one.

To Apply Now or Schedule an Appointment:

Banking just got easier – Apply for personal loans, checking and savings accounts all at one time with our eStore® Common App.

    • Percent Sign in Circle

      Save with lower rates on purchases1

    • 2 Arrows Pointing Opposite Directions

      Save with lower rates on balance transfers1

    • Dollar Sign Crossed Out in Circle

      No annual fee2

    • Global icon

      Enjoy global acceptance with Visa

  • Get More Savings with Lower Rates

    With the FNB SmartRate Card, you can get more savings with our lowest interest rate. You can use your card anywhere Visa is accepted to conduct everyday purchases. For added convenience, consolidate your monthly bills on one statement for one monthly payment.

    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

    Great For:

    • Everyday purchases, from groceries to gas to monthly bills
    • Consolidating your monthly expenses on one convenient monthly bill
    • Saving on interest every time you use your card to make a purchase

    Important Considerations:

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

  • Qualifying for an FNB SmartRate 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 SmartRate 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

With any card, you also get:

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

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