FNB SmartSecured SM Credit Card

Whether you’re looking to establish credit for the first time or you need to repair a poor credit score, the FNB SmartSecured Credit Card 1 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.

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Add To Cart Key features Product details Before you apply

Key features

Build up your credit history
Competitive interest rates
No annual fee 2
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:

Use of the FNB SmartSecured Credit Card is subject to our cardholder agreement (PDF)
Important pricing information (PDF)

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

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:

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.

Still not sure? Answer a few quick questions to help you find the right borrowing option.

Products With You In Mind

FNB offers a full breadth of products and services for your needs.

Build Credit

Building and maintaining good credit is a lot of hard work. Knowing the basics will put you on the right path. Start building goo.

Maintain Good Credit

The lower the interest rates on your loans, the more income you’ll have available for other uses, including saving for retirement.

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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Bank deposit products and services provided by First National Bank of Pennsylvania. Member FDIC.

Investment and insurance products are not insured by the FDIC or any other federal government agency, are not deposits or financial obligations of the financial institution, are not guaranteed by the financial institution and they do involve investment risk, including possible loss of principal.

Not all products and services are available in all geographic locations. Your eligibility for particular products and services is subject to final determination by F.N.B. Corporation or its affiliates and acceptance.