Skip to main content
ONLINE BANKING LOGIN

Forgot Password?
African American family at house

CREDIT CARDS

THE MANY WAYS FNB GIVES YOU REAL CREDIT
CARD SERVICES THAT TREAT YOU LIKE A MEMBER. NOT A CUSTOMER.

Not just typical credit cards. These cards give you credit for having high expectations. With reward points that can be redeemed for gift cards, merchandise, and travel, as well as rental car collision waiver protection and 24-hour live customer service. FNB’s fees and rates are actually lower than you’d expect with no annual fee, a low introductory rate, 25-day grace period on purchases and no higher APR on cash advances. You carry the prestige of a highly-regarded Visa® Classic, Visa® Platinum or Gold MasterCard® from a bank that gives you more credit for choosing us. All three cards are available in two options: Low Rate Card or Preferred Points Card.

PERSONAL CARD LOW RATE

Benefits

  • Competitive annual percentage rate (APR).1
  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7 at www.cardaccount.net.
  • Rental car collision damage waiver protection.
  • Unlike some card offers, the APR1 for purchases and cash advances is the same. We do not charge a higher rate for cash advances.
  • No annual fee.
  • Low introductory rate for the first six months.1
  • Competitive ongoing APR.1
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.

Fees



PERSONAL CARD PREFERRED POINTS

Benefits

  • Use your Preferred Points Card to earn points that you can redeem for rewards. Earn one point for each dollar spent, up to 10,000 points per month.
  • Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, mp3 players, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more.
  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7 at www.cardaccount.net.
  • Rental car collision damage waiver protection.
  • Unlike some card offers, the APR1 for purchases and cash advances is the same. We do not charge a higher rate for cash advances.

Features

  • No annual fee.
  • Low introductory rate for first six months.1
  • Competitive ongoing APR.1
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.
  • Cash advances can be made for up to 50% of the credit line.
  • To view or redeem rewards points, visit www.mypreferredpoints.com or call 866-678-5191.

Fees



TO APPLY NOW

Download the PDF Credit Card Application.

Type the information and then print the application (you cannot save the document, so print an extra copy for yourself), or print it and then complete it using a blue or black pen. Paper applications are also available at your local branch office.

Fax your completed application to the Card Service Center at 972-650-7054.

Or mail your completed application to:
Card Service Center
PO Box 569120
Dallas, TX 75356-9120

 

Important Information
1
Please see application for information about current APRs and fees. Cards are subject to credit approval. The creditor and issuer of these cards is TIB – The Independent Bankers Bank pursuant to a license from VISA.

Students on bleachers happy

THE CARD THAT MAKES YOU A BOOSTER, NOT JUST A SHOPPER.

Your school can score every time you swipe with a Mayfield Cardinal, Graves County Eagle or Trigg County Wildcat card and your school wins when you carry the card. Not the ball.

FNB SPIRIT DEBIT CARDS

CONTACT
FNB MAIN OFFICE
Call 270-247-1758
Toll Free 888-934-2536
LOCATE
YOUR FNB BRANCH
GET THE APP
FNB MOBILE APP
Download the app that dials up convenience
Download the app in the Apple App Store Download the app in the Android App Store