Bank · FDIC insured
First National Bank Credit Card Rates
First National Bank credit cards start at 15.74% APR on purchases, after any introductory rate. Rates checked October 7, 2026.
How First National Bank’s credit card rates compare
Compared with banks and credit unions near Pittsburgh, PA, where First National Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
First National Bank
15.74%APR
- Up to
- 23.74% APR
FNB SmartRate Credit Card
Lowest rate
SouthWest Communities Federal Credit Union
7.00%APR
- Up to
- —
2nd-lowest rate
Pittsburgh Firefighters' Federal Credit Union
7.99%APR
- Up to
- —
First National Bank credit card score
61
Credit card score
Higher than 5% of U.S. banks and credit unions
- Purchase APRPurchase APR15.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First National Bank ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
FNB SmartCash Credit Card
Subject to credit approval. Earns 2% cash back rewards on all qualified purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.24%–26.24% | None | — |
| Ongoing | 26.24% | None | — |
Sources (2)
- fnb-online.com/personal/loans-…l-credit-cards/cash-back
- fnb-online.com/personal/loans-mortgages/regional-rates
All captured Oct 7, 2026
FNB SmartRate Credit Card
Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.74%–23.74% | None | — |
| Ongoing | 26.24% | None | — |
Sources (1)
- fnb-online.com/personal/loans-mortgages/regional-rates · captured Oct 7, 2026
FNB SmartRewards Credit Card
Subject to credit approval. Earns 1 point per $1 on qualifying purchases (double points for first 90 days).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.24%–25.24% | None | — |
| Ongoing | 26.24% | None | — |
Sources (1)
- fnb-online.com/personal/loans-mortgages/regional-rates · captured Oct 7, 2026
FNB SmartSecured Credit Card
Requires FNB Savings Account deposit equal to credit limit ($500–$2,000). Credit line starting at $500.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.00% | None | — |
| Ongoing | 26.24% | None | — |
Sources (1)
- fnb-online.com/personal/loans-mortgages/regional-rates · captured Oct 7, 2026
Penguins Cash Back Credit Card
Subject to credit approval. Earns 2% cash back on all qualified purchases, discounts on Penguins game tickets, and 15% merchandise discount at PensGear retail shops.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.24%–26.24% | None | — |
| Ongoing | 26.24% | None | — |
Sources (1)
- fnb-online.com/personal/loans-mortgages/regional-rates · captured Oct 7, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.