FNB SmartSecuredSM Credit Card

Earn Rules?How much you earn back per dollar in each spending category. Cashback cards show these as percentages (2% back on groceries). Points/miles cards show them as multipliers (3x on dining). The math applies each rule to your spending in that category to compute total rewards for the year.

Signup Bonus?A one-time reward for opening the card and meeting a spend requirement. The full bonus counts toward the card's Year 1 value (only when your spend qualifies) and is excluded from its ongoing value.

Value: $200 · Spend $0

This bonus is counted in full in the card's Year 1 value, and only when your spend meets the requirement. It's excluded from the ongoing value.

Who This Card Makes Sense For

• People who occasionally carry a balance. With no annual fee on top, the interest is the only cost.
• People rebuilding credit, where a secured card's math takes a back seat to establishing (or repairing) a payment history.

Where This Came From

• APR range“14.75%”
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• Annual fee“$0”
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Wondering if this card pays off for your situation? Is the FNB SmartSecuredSM Credit Card worth it? →

Cards in the Same Fee Tier That Score Higher

A similar annual fee, ranked higher at the default profile.

• Visa® Max Cash Secured Card$600 (+$300)
• Visa® Max Cash Secured Card$600 (+$300)
• Capital One Quicksilver Secured Rewards Credit Card$465 (+$165)