What is Huntington Bank, and Are Its Credit Cards Right for You?


From its headquarters in Columbus, Ohio, Huntington Bank has been serving communities across the Midwest since its inception in 1866. This regional bank is known for its customer-centric approach and commitment to local communities, including a focus on bringing community banking to underserved, low-income areas.

In recent years, Huntington Bank has grown to serve customers nationwide and provides a variety of financial products and services, including personal banking, business banking and loans. In addition, Huntington Bank currently issues three credit cards:

  • The Huntington Cashback Credit Card is a 1.5% flat-rate cash back card.

  • The Huntington Voice Rewards Credit Card offers customizable 3% cash back in a custom category of your choice.

  • The Huntington Voice Credit Card is the bank’s lowest APR option, offering savings on interest but no rewards on spending.

🤓Nerdy Tip

Huntington National Bank’s accounts, services and credit cards are available to customers in all 50 states. However, branch locations are limited to these eleven states: Colorado, Florida, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, West Virginia and Wisconsin.

The Huntington Cashback Credit Card

The Huntington Cashback Credit Card is a straightforward option for individuals seeking cashback rewards without an annual fee.

Here’s what you can expect from this card:

  • Intro APR: 0% introductory APR for the first 12 months on balance transfers made in the first 90 days of holding the card.

  • Ongoing APR: 7.24%-29.24% variable APR based on creditworthiness (as of January 2024).

  • Balance transfer fee: 3% or $10, whichever is greater.

  • Foreign transaction fee: None.

Rewards

Cardholders earn a flat 1.5% cashback on all purchases, making it a simple and hassle-free way to earn money back on everyday spending.

Additional benefits

The Huntington Cashback Credit Card also grants an extra day to pay your minimum payment without receiving a late fee.

The Huntington Voice Rewards Credit Card

This Huntington credit card offers a mix of customizable categories and rewards points. Here are the highlights:

  • Intro APR: 0% introductory APR for the first 12 months on balance transfers made in the first 90 days of holding the card.

  • Ongoing APR: 17.24%-29.24% variable APR based on creditworthiness (as of January 2024).

  • Balance transfer fee: 3% or $10, whichever is greater.

  • Foreign transaction fee: None.

Rewards

Cardholders can earn 3x rewards on their chosen category from ten available options, up to $2,000 spent per quarter (1% thereafter and on all other purchases). Available categories include:

  • Auto parts and services stores.

  • Department stores, including sporting goods stores.

  • Discount and warehouse stores.

  • Electronic, computer and camera stores.

  • Travel and entertainment.

  • Ground transportation (including taxis, buses, and subway).

  • Utilities and office supply stores.

You can change your category every month if you choose, giving you the opportunity to maximize your rewards based on your spending. Rewards are issued as points, with each point being worth a penny each.

The Huntington Voice Credit Card

Unlike Huntington’s two rewards credit card options, this card skips out on ongoing rewards in favor of a lower APR. Rewards earned on a credit card rarely outweigh the interest you’ll pay, so if you expect to carry a balance month to month, this card is the way to go.

Here are the details you need to know:

  • Intro APR: 0% introductory APR for the first 12 months on balance transfers

  • Ongoing APR: As of this writing, 15.24%-27.24% variable APR based on creditworthiness.

  • Foreign transaction fee: None.

Rewards

None, as this card prioritizes a lower APR.

🤓Nerdy Tip

While the Huntington Voice Credit Card offers a lower APR than it’s counterparts, the APR is not all that low. A card that offers 0% APR on purchases for an introductory period may be a better fit.

Is a Huntington Bank credit card right for you?

Huntington Bank’s credit cards are a pretty solid choice, especially if you’re already a Huntington Bank customer or happen to call one of their eleven primary states home. While these cards won’t surprise you with flashy signup bonuses or extraordinary perks, they still make for a good, dependable option to earn cashback rewards on your everyday spending.

And when it comes to customer service, you’ll get much better support from these cards than you’ll find from a bigger bank. That said, if you’re on the hunt for a big welcome offer or unique bells and whistles, you might want to explore other options.



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