What Huntington Credit Cards Offer
Huntington Bank offers several credit card products, each with different rewards structures, annual fees, and introductory offers. The cards are issued by Huntington National Bank and work like standard credit cards — you charge purchases, receive a monthly statement, and pay what you owe. Huntington markets these cards primarily to customers in its operating regions, though some products may be available to people outside those areas.
The specific cards available and their terms change over time. Before you look at any card, you should know what features matter to you: whether you want cash back, travel rewards, a low introductory rate, or no annual fee. Huntington's website lists current offerings with their rates, fees, and rewards rates at the time you visit.
Key Takeaways
- Huntington credit cards come in multiple versions, each with different rewards, annual fees, and introductory offers that vary by card and change periodically.
- You can review the full terms, annual percentage rate (APR), and rewards structure on Huntington's website before you decide which card might fit your spending.
- Credit card approval depends on your credit history, income, and existing debt — Huntington will pull your credit report as part of the review process.
- Once approved, you can use the card when ready for purchases, and your monthly statement will show your balance, minimum payment due, and rewards earned.
How to Find Current Huntington Card Options
Huntington's credit card lineup is not static. The cards available, their rewards rates, annual fees, and introductory offers change throughout the year. The most reliable way to see what is currently offered is to visit Huntington's official website and navigate to their credit cards section.
On that page, you will see each card listed with its key features displayed side by side. Look for the APR range (the interest rate you may be charged), any annual fee, the rewards structure (cash back percentage, points per dollar, or travel benefits), and any promotional offers like a 0% introductory rate period. Read the full terms and conditions for any card you are considering — these documents spell out when the introductory rate ends, what the standard APR will be, and what happens if you miss a payment.
If you are a Huntington customer already, you may see card offers in your online banking portal or in statements. These offers are sometimes tailored to your account history, but the terms are the same as what appears on the public website.
What Happens During the Review Process
When you submit a credit card request, Huntington will review your credit report, income, and existing debts to decide whether to approve you and at what credit limit. This review typically takes a few business days. During this time, Huntington pulls your credit report from one or more of the three major credit bureaus (Equifax, Experian, or TransUnion). This pull is recorded as a hard inquiry and may lower your credit score slightly.
Huntington will notify you of the decision by mail or through your online banking account if you are an existing customer. If you are approved, the letter or notice will state your credit limit and when your card will arrive. If you are not approved, the notice will explain the reason — for example, insufficient credit history, high existing debt, or recent late payments.
You do not have to accept the card if you are approved. If the credit limit is lower than you expected or the terms do not match what you saw, you can decline and try a different card or wait to reapply later.
Understanding APR, Fees, and Introductory Offers
The Annual Percentage Rate (APR) is the interest rate Huntington charges on any balance you carry from month to month. Huntington credit cards typically show an APR range — for example, 16.99% to 25.99% — because the actual rate you receive depends on your credit score and history. A higher credit score usually means a lower APR within that range.
Many Huntington cards come with an annual fee, though some do not. The annual fee is charged once per year, usually on your statement anniversary, and is separate from interest charges. A card with no annual fee may have a lower rewards rate, while a card with an annual fee might offer higher rewards or premium benefits. Calculate whether the rewards you earn will exceed the annual fee before you commit.
Introductory offers are temporary promotions — for example, 0% APR for 12 months on purchases, or a bonus of cash back or points after you spend a certain amount in the first few months. These offers have an expiration date. Once the introductory period ends, the standard APR and rewards rates take over. Read the fine print to understand exactly when the offer expires and what happens next.
How Rewards Work on Huntington Cards
Huntington cards offer rewards in different forms depending on the card. Some cards earn a flat cash back percentage on all purchases — for example, 1.5% cash back on everything you buy. Others earn different rates on different categories: perhaps 3% cash back on groceries and gas, 1% on everything else. Travel rewards cards earn points per dollar spent, which you redeem for flights, hotels, or other travel expenses.
Rewards are typically posted to your account monthly and can be redeemed through your online account or by calling the customer service number on your statement. Cash back can usually be applied as a statement credit (reducing what you owe) or deposited to a linked bank account. Points can often be redeemed through an online portal where you select the travel or merchandise you want.
Rewards do not accrue on fees, interest charges, or balance transfers. They accrue only on purchases you make with the card. If you carry a balance and pay interest, that interest does not earn rewards — you are paying to use the card, not earning from it.
Making Payments and Managing Your Account
Once your card arrives, you can set up it through Huntington's website or by calling the number on the back of the card. You will then receive a monthly statement showing your purchases, balance, minimum payment due, and the date by which payment is due. You can pay online through your Huntington account, by phone, by mail, or through automatic payments set up in advance.
If you pay the full statement balance by the due date, you will not be charged interest. If you pay only part of the balance, interest will be charged on the remaining amount at your card's APR. The minimum payment is the smallest amount Huntington requires you to pay to keep your account in good standing, but paying only the minimum means you will pay interest and take much longer to pay off the balance.
You can view your account activity, rewards balance, and payment history anytime through Huntington's online banking portal or mobile app. If you have questions about a charge or need to report a lost card, contact the customer service number on your statement.
Comparing Huntington Cards to Other Options
Huntington cards are one option among many. Before you decide, compare the APR range, annual fee, and rewards structure to cards from other banks. A card with a lower APR but no rewards might be better if you plan to carry a balance. A card with high cash back rewards but a high annual fee makes sense only if you spend enough to earn more in rewards than you pay in fees.
Consider also whether you bank with Huntington already. Existing customers sometimes receive better introductory offers or lower APRs. If you do not bank with Huntington, you may find better terms elsewhere — or you may find that Huntington's card is the right fit for your needs. The only way to know is to compare the actual terms side by side.
Use online comparison tools to see multiple cards at once, but always verify the current terms on the issuer's website before you decide. Card terms change, and a comparison tool may show outdated information.
Frequently Asked Questions
Do I have to be a Huntington customer to get one of their credit cards?
No. Huntington credit cards are available to people who do not have a checking or savings account with the bank. However, some promotional offers or lower APRs may be limited to existing Huntington customers. Check the specific card's terms to see whether customer status affects the offer.
What credit score do I need to be approved?
Huntington does not publish a minimum credit score requirement. Approval depends on your overall credit history, income, and existing debt. Cards with higher rewards or lower introductory rates typically require a stronger credit profile. If you have limited credit history or recent late payments, you may be approved at a higher APR or with a lower credit limit.
Can I use my Huntington credit card at any store?
Yes. Huntington credit cards carry the Visa or Mastercard logo and work anywhere those cards are accepted — in stores, online, and over the phone. The card works the same way as any other credit card from any other bank.
What happens if I miss a payment?
If you miss a payment, Huntington will charge a late fee and report the missed payment to the credit bureaus, which will lower your credit score. Your APR may also increase. If you know you will miss a payment, contact Huntington before the due date to discuss options — they may be able to work with you on timing or a payment plan.
Can I cancel my card after I get it?
Yes. You can cancel a Huntington credit card at any time by calling the customer service number on your statement or through your online account. If the card has an annual fee and you cancel within a certain period after approval, Huntington may refund the fee — check the terms for that specific card. Canceling will not hurt your credit score, but closing an account does reduce the total credit available to you, which may affect your credit score slightly.