What Huntington Credit Cards Offer
Huntington Bank issues credit cards through its own program, not through a third-party network. The cards come with rewards on purchases, no annual fee on most options, and access to Huntington's online and mobile banking tools. The specific rewards structure, interest rates, and perks depend on which card you choose — Huntington offers several versions aimed at different spending patterns.
Unlike some card issuers, Huntington requires you to have a relationship with the bank to open most of its credit cards. This typically means holding a checking or savings account with Huntington, though the exact requirement varies by card and by state. If you do not already bank with Huntington, you may need to open a deposit account first.
Huntington operates primarily in the Midwest and Mid-Atlantic, with branches in Ohio, Indiana, Michigan, Pennsylvania, West Virginia, and Kentucky. If you live outside these states, you may not be able to open a Huntington credit card, though you can check the bank's website to confirm service in your area.
Key Takeaways
- Most Huntington credit cards carry no annual fee and offer cash back or points on everyday purchases.
- You typically need an existing Huntington deposit account to open a credit card with the bank.
- Huntington operates in a limited geographic area — primarily Ohio, Indiana, Michigan, Pennsylvania, West Virginia, and Kentucky.
- The card you choose determines your rewards rate, introductory offers, and whether you earn cash back or points.
- You can compare Huntington's current card offers on the bank's website or by visiting a branch in person.
Huntington's Main Credit Card Options
Huntington offers several cards, each with a different rewards structure. The most common are cash back cards that return a percentage of your spending to you as cash, and points-based cards where you earn points that you can redeem for travel, merchandise, or statement credits. Some cards offer higher rewards in specific categories — groceries, gas, dining — while others offer a flat rate across all purchases.
Introductory offers vary by card. Some cards may offer a promotional period with higher rewards or a lower interest rate on purchases or balance transfers. These offers change regularly, so the current terms depend on when you look and which card you are considering. Huntington publishes its current offers on its website and in branches.
Annual percentage rates (APRs) for purchases, balance transfers, and cash advances also differ by card and by your creditworthiness. The rate you receive depends on your credit score and credit history at the time you open the account. Huntington will disclose the APR range for each card before you complete your request.
How to Research Huntington Cards Before You Decide
Start by visiting Huntington's website and navigating to the credit cards section. There you will find a list of current card offerings with their rewards rates, annual fees (if any), and any promotional terms. Each card has a details page that explains the rewards structure, how to earn and redeem, and the terms and conditions.
Read the rewards terms carefully. Some cards limit rewards to certain categories or cap how much you can earn in a category per year. Others may require you to set up rewards in certain categories or enroll in a program to earn at the higher rate. The fine print matters because it determines what you actually earn.
If you have questions about a specific card or want to know whether you meet the bank's requirements, you can call Huntington's customer service or visit a branch in person. A banker can walk you through the options and explain which card might fit your spending habits best.
What You Need Before You Request a Card
You will need to provide personal information including your name, address, Social Security number, date of birth, and employment information. Huntington will run a credit check as part of the process, which means your credit report will be pulled and a hard inquiry will appear on your credit file.
Have your Huntington deposit account number ready if you already bank with them. If you do not have an account, you may need to open one first. Some cards may allow you to open both the deposit account and the credit card in the same request, but this varies.
You will also need to review and agree to the card's terms and conditions, which include the APR, fees, rewards terms, and your rights and responsibilities as a cardholder. These are legally required disclosures, and you should read them before you proceed.
How the process Process Works
You can request a Huntington credit card online through the bank's website, by phone, or in person at a branch. Online requests are usually the fastest — you fill out a form with your personal and financial information, and you receive a decision within minutes or hours in most cases.
If you are approved, Huntington will mail your card to the address on file. The card typically arrives within 7 to 10 business days. Once it arrives, you will need to set up it before you can use it. set up usually happens through the Huntington website, mobile app, or by calling the number on the back of the card.
If you are not approved, Huntington will send you a notice explaining the reason. Common reasons include insufficient credit history, a recent negative mark on your credit report, or not meeting the bank's minimum requirements. You can request reconsideration or try again later after your credit situation improves.
Using Your Huntington Card and Tracking Rewards
Once your card is active, you can use it anywhere that accepts Visa or Mastercard, depending on which network your card uses. You can make purchases, pay bills, and withdraw cash at ATMs. Your transactions will appear in your Huntington online banking account, where you can track spending and rewards in real time.
Rewards post to your account automatically based on your card's terms. If you have a cash back card, the cash back appears as a credit on your statement or can be transferred to your Huntington deposit account. If you have a points card, points accumulate in your rewards account and you can redeem them through the Huntington website or app.
You can pay your bill online, by phone, by mail, or through automatic payments set up in your Huntington account. Paying on time and in full each month helps you avoid interest charges and keeps your credit in good standing.
What Happens If You Have Problems or Questions
Huntington offers customer service by phone, through its website, and in branches. If you have a question about your rewards, your balance, a charge you do not recognize, or how to use a feature of your card, you can contact them through any of these channels. Phone support is usually available during business hours and sometimes extended hours.
If you dispute a charge, Huntington has a formal process for investigating and resolving the dispute. You can initiate a dispute through your online account or by calling the number on the back of your card. The bank will investigate and let you know the outcome, usually within 30 to 60 days.
If you lose your card or suspect fraud, call the number on the back of your card or contact Huntington when ready. The bank can freeze your account to prevent unauthorized use and issue a replacement card.
Frequently Asked Questions
Do I have to be a Huntington customer to get a credit card?
Most Huntington credit cards require you to have an existing deposit account with the bank. If you do not have one, you may need to open a checking or savings account first. Some cards or situations may have different requirements, so check with Huntington directly or on their website for the specific card you are interested in.
What if I live outside Huntington's service area?
Huntington operates in a limited geographic region. If you live outside Ohio, Indiana, Michigan, Pennsylvania, West Virginia, or Kentucky, you may not be able to open a Huntington credit card. You can check Huntington's website to confirm whether your state or area is served.
How long does it take to get approved?
Online requests usually receive a decision within minutes to a few hours. If you request in person or by phone, the timeline may vary. Once approved, your card typically arrives within 7 to 10 business days. You will need to set up it before you can use it.
Can I earn rewards on all my purchases?
It depends on the card. Some Huntington cards earn rewards on all purchases at a flat rate. Others earn higher rewards in specific categories like groceries or gas, and a lower rate on everything else. Read the rewards terms for your specific card to understand where you earn the most.
What should I do if I do not recognize a charge on my statement?
Contact Huntington by phone, through your online account, or in person at a branch. You can dispute the charge and the bank will investigate. Huntington has a formal dispute process that typically takes 30 to 60 days to resolve.