When it comes to credit cards, choice matters. Whether you’re looking to earn cashback, maximize category-based rewards, minimize interest, or build credit from scratch, the Huntington credit card lineup offers options designed for real-life financial needs.
In this review, we’ll walk you through each card, explain key features, and help you decide which one fits your lifestyle best.
Overview of Huntington Credit Cards
Huntington Bank offers a well-rounded set of credit cards, each designed to match different spending habits and financial goals. Whether you want to earn easy cashback, save on interest, build your credit history, or get rewards for business expenses, there’s a Huntington credit card that fits your needs.
Here are the five main options available:
- Huntington Cash Back
- Huntington Voice Rewards
- Huntington Voice Low Rate
- Huntington Secured
- Voice Business
Each card has its own strengths. Some focus on rewards, others on low interest, and one helps you build or rebuild credit.
Personal Huntington Credit Card Options
Huntington offers a variety of personal credit cards designed to fit different lifestyles. Now, let’s take a closer look at what makes each one special.
Huntington Cashback Card
This card is great for people who want simple and unlimited rewards. You don’t need to keep track of categories or spending limits, just use your card and earn.
Main Features:
- 1.5% cash back on every purchase, with no cap
- No annual fee and no foreign transaction fees
- Late Fee Grace® gives you extra time to pay if you’re late
- Works with digital wallets like Apple Pay, Google Wallet, and Samsung Pay
How to Redeem Rewards:
- Automatically or manually as a statement credit
- Direct deposit into your Huntington checking or savings account
This card is perfect if you want a straightforward way to earn cash back without managing categories or limits. It’s ideal for everyday spending like groceries, gas, bills, and dining out.
Huntington Voice Rewards Card
If you prefer earning more rewards in areas where you spend the most, this card gives you the freedom to choose.
Main Features:
- Earn 3X points in one category you choose (from 10 options) on up to $2,000 in purchases every quarter
- Earn 1X points on all other purchases
- No annual fee and no foreign transaction fees
Bonus: Earn 25% more points when linked with certain Huntington checking accounts like Platinum Perks or SmartInvest
Eligible 3X Categories (you can switch every quarter):
- Grocery stores
- Gas stations
- Restaurants
- Utilities
- Home improvement
- Travel and entertainment
- Electronics and more
Redemption Options:
- Use points for cash back, gift cards, travel, event tickets, and shopping rewards
- 10,000 points = $100
This Huntington credit card is great for people whose spending habits change each season. You can pick a new category every quarter to get the most out of your purchases. It’s also ideal for Huntington customers with qualifying checking accounts who want the bonus points.
Huntington Voice Credit (Lower Rate)
Some people prefer saving money on interest instead of earning rewards. This card offers a lower Huntington credit card APR for those who sometimes carry a balance.
Main Features:
- A lower variable APR than most rewards cards (rates depend on your credit)
- No rewards program
- No penalty APR, your rate won’t increase if you make a late payment
- No annual or foreign transaction fees
- Includes Late Fee Grace
This is a smart choice for people who don’t always pay off their balance each month or are planning a large purchase. It helps reduce interest charges and is useful for managing debt.
Huntington Secured Credit Card
If you’re looking to build or rebuild your credit, this secured credit card offers a safe and effective way to do it, plus, you earn cash back too.
Main Features:
- Requires a refundable security deposit of $250 to $2,500
- Your deposit becomes your Huntington credit card limit
- Earn 1% unlimited cash back on all purchases
- No annual fee
- Reports to all three major credit bureaus
- Get reviewed for an upgrade to the unsecured Cashback Card after just 7 months
Extra Tools:
- Free monthly FICO score to track your progress
- Budgeting tools and credit education resources
- Mastercard benefits like zero liability protection and ID theft coverage
This choice is ideal for students, young adults, or anyone who has had credit issues in the past. You can build good credit habits while earning rewards, something many secured cards don’t offer.
Huntington Voice Business Credit Card
Running a business comes with lots of expenses. This card is designed to help business owners earn high cash back in the categories where they spend most.
Main Features:
- Earn 4% cash back in one category of your choice (up to $7,000 in purchases per quarter)
- Earn 1% cash back on all other purchases
- Choose from 10 categories
- No annual fee or foreign transaction fees
- Request employee cards with individual spending limits
- Includes Late Fee Grace, Card Lock, and Mastercard business protections
Sample Categories:
- Office supplies
- Restaurants
- Gas stations
- Travel & entertainment
- Home improvement
Redemption Options:
- Use rewards as a statement credit
- Or deposit into your Huntington business checking account
This card is excellent for small business owners who want to earn more in specific spending areas. You can switch your category each quarter to match changing business needs. It’s also a good way to manage employee spending.
No matter which one you pick, personal or business, they all come with helpful features that make managing your card easier and more affordable. Here’s what every Huntington credit card offers:
- No Annual Fee: You won’t have to pay just to keep your card open. Whether you use it a lot or just occasionally, there’s no yearly charge to worry about.
- No Foreign Transaction Fees: Planning a trip abroad or shopping online from international websites? Huntington won’t charge you the extra 3% fee that many other banks do for purchases made outside the U.S.
- Late Fee Grace: Life happens. If you miss your payment due date, you get one extra day to make your payment before any late fees kick in. It’s a helpful cushion when you need it.
- Card Lock for Security: If you misplace your card or notice suspicious activity, you can quickly lock or unlock it using the Huntington mobile app or online banking—giving you more control and peace of mind.
- Free Monthly FICO Score: Stay informed about your credit health. Every month, you’ll get access to your updated FICO credit score at no extra cost.
- No Penalty APR: If you accidentally miss a payment or go over your credit limit, Huntington won’t raise your interest rate. This helps you avoid getting punished with a higher APR.
- Tap-to-Pay and Digital Wallet Ready: All Huntington cards work with contactless payments and are compatible with Apple Pay, Google Pay, and Samsung Pay. Just tap your phone or card to pay securely and quickly.
Huntington Bank Credit Card APR, Fees & Bonus
Huntington Bank credit cards are designed with transparency in mind. Whether you’re looking for rewards or a lower interest rate, understanding the costs of borrowing is key. Here’s a clear look at what to expect in terms of interest rates and fees.
Interest Rates (APR)
Your Huntington credit card APR depends on your creditworthiness and which type of credit card you choose:
| Type of APR | Rewards Cards(Cashback or Voice Rewards) | Lower Rate Card |
|---|---|---|
| Purchase APR | 16.24% – 28.24% (Variable) | 14.24% – 26.24% (Variable) |
| Balance Transfer APR | 0.00% Intro APR for 12 billing cycles on transfers made within 90 days of account opening. After that: 16.24% – 28.24% (Variable) | 0.00% Intro APR for 12 billing cycles on transfers made within 90 days of account opening. After that: 14.24% – 26.24% (Variable) |
| Cash Advance APR | 28.24% (Variable for all cards) | 28.24% (Variable) |
| Minimum Interest Charge | $1.00 | $1.00 |
Note: These rates are based on the Prime Rate and may change as the market shifts.
Fees Breakdown
Here are the most common fees you may encounter:
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 (No annual fee on any card) |
| Balance Transfer Fee | Greater of $10 or 3% per transfer |
| Cash Advance Fee | Greater of $10 or 3% per advance |
| Late Payment Fee | Up to $40 |
| Returned Payment Fee | Up to $25 |
| Expedited Delivery Fee | Varies (disclosed at time of request) |
| Annual Statement Fee | $15 (if requested) |
| Research or Document Copy Fee | $5 per item; $25/hour for research |
Huntington Bank Credit Card Bonus
Some Huntington credit cards offer a welcome bonus when you first open the account:
- For example, you might earn a cash bonus, such as $100, when you spend a certain amount, like $1,000, in the first 60 days after opening the card.
- These bonuses are sometimes available during promotional periods, so it’s a good idea to check Huntington’s website or ask a banker when applying.
- Note that the business credit card may also come with its own promotions, especially when bundled with a business checking account.
Bonuses are a great way to get extra value right away, especially if you already plan to use your card for regular purchases.
How to Apply for a Huntington Credit Card
Getting a credit card with Huntington Bank is quick and easy. You can apply online, by phone, or at a branch. Here is all you should know about this process:
Huntington Credit Card Requirements
To apply for a Huntington credit card, there are a few basic requirements you should meet:
- Good Credit Score: Most credit cards from Huntington Bank are designed for people with good to excellent credit. If your credit score is around 700 or higher, you’re more likely to get approved. However, if you’re just starting to build credit or are rebuilding it, the Huntington Secured Card is a good option that accepts lower scores.
- Huntington Bank Account: You must already have a Huntington checking, savings, or money market account before you can apply for a credit card. If you’re not already a customer, you can open a bank account online first, then apply for the card of your choice.
- Proof of Income and Identity: Like most credit card applications, you’ll be asked to provide your income, employment information, and identification details. This helps the bank decide if you qualify and what credit limit to offer.
Application Process
Applying for a Huntington Bank credit card is fast and easy, and you can do it completely online. Here’s how the process works after you complete checking eligibility:
- Visit huntington.com
- Browse the credit card options and pick the one that fits your needs
- Click “Apply Now”
- Complete the application by providing your financial and personal information.
- If applying for the secured card, you’ll need a deposit from $250 to $2,500, which becomes your credit limit.
- Submit the form and wait for a decision (usually within minutes). If approved, your card ships in about 5–7 business days.
- Activate your card online or in the app. Add it to Apple Pay, Google Pay, or Samsung Pay to start spending.
- Use online banking to check your FICO score, track spending, set up AutoPay, and redeem Huntington credit card rewards.
Card Activation
Once your card arrives in the mail, it’s easy to activate Huntington credit card so you can start using it right away:
- Online: Log in to your Huntington online banking account. Look for the Huntington credit card activation section under the Service Center, select your new card, and follow the steps to activate.
- Mobile App: You can also use the Huntington mobile app. Go to the “Manage Cards” section, choose your new card, and activate it with just a few taps.
- By Phone: There’s also a phone number printed on a sticker attached to the front of your card. Call that number and follow the instructions to activate your card by phone.
Once activated, your card will be ready to use for in-store purchases, online shopping, and even setting up digital wallets like Apple Pay or Google Pay.
Pros and Cons of Huntington Bank Credit Cards
Next, let’s take a closer look at the advantages and a few things to keep in mind when considering a Huntington credit card:
Pros:
- Multiple card options tailored for cash back, rewards, lower interest rates, or credit building
- No annual fees or foreign transaction charges
- Choose your bonus reward category on some cards
- Great introductory APR deals for balance transfers
- Helpful financial tools, like free credit score updates and budgeting features
- After using the secured card responsibly, there is the option to switch to an unsecured card.
Cons:
- No premium travel cards with extras like lounge access or hotel perks
- You must be a Huntington customer with a deposit account to apply
- Flat-rate rewards (outside bonus categories) may be lower than some national competitors.
Huntington Customer Service
If you ever need help with your credit card, the bank offers reliable Huntington credit card customer service in several ways:
- Phone Support: You can call Huntington’s credit card support line anytime. Whether you have questions about your account, need to report a lost card, or want help with a transaction, they’re available 24/7.
- Fraud Protection and Disputes: If you see any suspicious activity on your card, Huntington has dedicated teams to help you investigate and resolve it. You can also dispute charges online through your account dashboard.
- Mobile App and Online Banking: You can manage your card easily through the Huntington app or website. You’ll be able to view your balance, make payments, lock or unlock your card, and even track your FICO score, all from your phone or computer.
- In-Person Support: If you prefer face-to-face help, you can visit a local Huntington branch to speak with a banker who can assist with your card questions.
With multiple ways to get support, managing your Huntington credit card is convenient and worry-free.
FAQs about Huntington Credit Cards
Do Huntington Bank credit cards charge an annual fee?
- No. All Huntington personal and business credit cards have no annual fee.
Can I switch my rewards category any time?
- Yes. With the Voice Rewards and Voice Business cards, you can change your bonus category every quarter to fit your spending.
How do I pay my Huntington credit card online?
- You can pay your Huntington Bank credit card through online banking. Just log in to your account, go to your card dashboard, and click the option to make a payment. You can pay directly from your Huntington checking or savings account, or add an account from another bank to transfer money.
How to redeem Huntington credit card rewards?
- To redeem your rewards, log in to your Huntington online account or mobile app. Go to the rewards section, where you’ll see how many points or cash back you’ve earned. Then, choose how you want to use your rewards like statement credit, a deposit into your account, gift cards, or travel. Just follow the steps to complete your redemption.
Is the secured card a good way to build credit?
- Absolutely. It’s ideal for people new to credit or rebuilding. Plus, you can upgrade after 7 months of responsible use.
In conclusion, a Huntington credit card offers a smart way to manage spending while earning rewards or saving on interest. With no annual fees, flexible options, and helpful features like Late Fee Grace and free FICO scores, these cards are built for everyday use. If you’re a Huntington customer, applying for a Huntington Bank credit card could be a great financial move.
