What Huntington Bank credit cards offer
Huntington Bank issues several credit cards aimed at different spending patterns and credit histories. The main cards are the Huntington Voice Card (for people rebuilding credit), the Huntington Rewards Card (cashback on purchases), and the Huntington Business Card (for small business owners). Each has different rewards structures, annual fees, and credit requirements.
Huntington is a regional bank based in Ohio with branches across the Midwest and Mid-Atlantic. If you already bank with Huntington, you may see faster approval or better terms than if you explore as a new customer. If you don't have a Huntington account, you can still open a credit card, but you may need to open a checking account at the same time — this varies by card and by branch.
Like all credit cards, these cards report to the three major credit bureaus (Equifax, Experian, and TransUnion), so your payment history and balance will affect your credit score. The card you choose depends on your current credit score, how much you spend, and what rewards matter to you.
Key Takeaways
- Huntington's Voice Card is designed for people with fair or limited credit history and has no annual fee, but carries a higher interest rate than cards for people with excellent credit.
- The Rewards Card offers cashback on all purchases and requires good to excellent credit; the exact cashback rate depends on the card tier you receive.
- Huntington may require you to open a checking account to open a credit card, especially if you are not already a customer.
- All Huntington credit cards report to the three major credit bureaus, so on-time payments will help your credit score over time.
- You can compare Huntington cards to cards from other banks by looking at the annual percentage rate (APR), annual fee, and rewards rate before you decide.
The Huntington Voice Card for rebuilding credit
The Voice Card is Huntington's entry-level card, meant for people with fair credit or those rebuilding after past problems. It has no annual fee and no rewards, but it does report to all three credit bureaus, which means responsible use can improve your credit score.
The starting credit limit is typically low — often $300 to $500 — and the APR is higher than Huntington's rewards cards. The exact APR depends on your credit score at the time you explore. Because this card is designed for people with weaker credit, approval is more likely than with premium cards, but you still need to meet Huntington's basic requirements (usually a Social Security number, a valid ID, and proof of income or employment).
The Voice Card works best if you plan to use it regularly and pay the full balance each month. Since there is no rewards rate, you are not earning anything back on your spending — the benefit is purely the credit-building effect of on-time payments and a low balance relative to your credit limit.
The Huntington Rewards Card for everyday spending
The Rewards Card offers cashback on purchases and requires good to excellent credit. The cashback rate varies depending on which tier of the card you receive — Huntington typically offers a standard tier and a premium tier with higher rewards. You earn cashback on all purchases, with no category restrictions.
This card has an annual fee, which varies by tier. The higher-tier card usually has a higher annual fee but also a higher cashback rate, so you need to do the math: if you spend $10,000 a year and earn 1.5% cashback, that is $150 back. If the annual fee is $95, your net benefit is $55. If you spend less, the fee may outweigh the rewards.
To be considered for the Rewards Card, you typically need a credit score of 670 or higher, though Huntington does not publish exact minimums. If you have a Huntington checking account and a history of on-time payments, your odds of approval improve.
Huntington Business Card for small business owners
Huntington offers a business credit card for sole proprietors and small business owners. This card separates business spending from personal spending, which makes accounting easier at tax time. It offers cashback rewards on business purchases and may include perks like purchase protection or extended warranties.
The business card requires a business tax ID (EIN) or a Social Security number if you operate as a sole proprietor. You will need to provide proof of business ownership or registration, and Huntington may ask for business tax returns or bank statements to verify income. The approval process is typically longer than for personal cards.
If you are just starting a business or have limited business credit history, approval may be harder. Huntington may also require a personal may provide, meaning you are personally liable if the business does not pay the bill.
How to compare Huntington cards to other banks
When deciding whether a Huntington card is right for you, compare it to cards from other banks using three main numbers: the APR, the annual fee, and the rewards rate (if any). The APR is what you pay if you carry a balance month to month. The annual fee is what you pay just to have the card, regardless of whether you use it. The rewards rate is what you earn back on purchases.
If you plan to pay your balance in full each month, the APR does not matter — focus on the annual fee and rewards rate. If you sometimes carry a balance, the APR becomes the most important number. A card with a 0% introductory APR for 6 months might save you hundreds in interest, even if the regular APR is higher than a competitor's card.
You can find other banks' cards by searching online or visiting bank websites directly. Credit card comparison sites show APR ranges, annual fees, and rewards rates side by side, though the APR you actually receive depends on your credit score. Huntington's website lists the current terms for each card, but you will not know your exact APR until you explore.
What happens after you open a Huntington credit card
Once your process is approved, Huntington will mail your card to you, usually within 7 to 10 business days. You will also receive a welcome packet with your account number, PIN, and information about how to set up online access. You can set up the card online, by phone, or at a Huntington branch.
After set up, you can use the card when ready for purchases. Your first statement will arrive 20 to 30 days after your first purchase. The statement shows your balance, minimum payment due, and the date the payment is due. If you pay the full balance by the due date, you pay no interest. If you pay only part of the balance, interest accrues on the remaining amount at your card's APR.
Set up automatic payments or calendar reminders so you do not miss a due date. A single late payment can lower your credit score by 100 points or more and may trigger a higher APR. Huntington reports your payment history to the credit bureaus every month, so consistent on-time payments will improve your score over time.
Frequently Asked Questions
Do I need a Huntington checking account to open a credit card?
It depends on the card and your situation. If you are already a Huntington customer, you can usually open a credit card online without opening another account. If you are not a customer, Huntington may require you to open a checking account at the same time. Call your local Huntington branch or check their website for the current policy on the card you want.
What credit score do I need for each Huntington card?
Huntington does not publish exact credit score minimums. The Voice Card is designed for fair or limited credit (typically 580 to 669). The Rewards Card usually requires good to excellent credit (typically 670 or higher). Your actual approval depends on your full credit report, not just your score, so two people with the same score may have different outcomes.
Can I use my Huntington credit card at ATMs to withdraw cash?
Yes, but cash advances typically carry a higher APR than purchases and a cash advance fee (usually 3% to 5% of the amount withdrawn). Avoid cash advances unless you have no other option — the interest starts accruing when ready, with no grace period like you get on purchases.
How long does it take to build credit with the Voice Card?
Credit bureaus need at least six months of payment history to generate a credit score. If you use the Voice Card responsibly for six months to a year, you should see your score improve, assuming you have no other negative marks on your report. The improvement depends on your starting score and your overall credit history.
What should I do if I am denied for a Huntington credit card?
If you are denied, Huntington will send you a letter explaining the reason — usually low credit score, too many recent inquiries, or insufficient income. You can request a copy of your credit report from Annualcreditreport.com (the only free, official source) and look for errors. If you find errors, dispute them with the credit bureau. Then wait a few months and reapply, or consider the Voice Card if you were denied for a rewards card.