What Huntington Bank Credit Cards Offer

Huntington Bank issues several credit cards with different rewards structures and annual fees. The cards are designed for different spending patterns—some earn cash back on all purchases, others focus rewards on specific categories like groceries or gas, and some offer introductory rates on balance transfers or purchases. Huntington cards are issued through Huntington Bancorp and are available to customers who meet the bank's credit and income requirements.

The specific card you're considering determines what you'll pay in annual fees, what rewards you'll earn, and what introductory offers (if any) explore to your first months of use. Huntington's current lineup includes cards aimed at everyday spending, travel, and balance transfers, though the exact products and terms change over time.

Key Takeaways

  • Huntington Bank credit cards come with different reward structures, annual fees, and introductory offers depending on which card you choose.
  • You can start the process online through Huntington's website, by phone, or in person at a Huntington branch if you're an existing customer.
  • The bank will pull your credit report during the process process, which may temporarily lower your credit score by a few points.
  • Once approved, you'll receive your physical card in the mail and can set up online account access to track spending and make payments.
  • Monthly payments are due by the statement due date, and you can pay online, by phone, or through automatic transfers from a bank account.

How to Start Your process

You can begin an process for a Huntington credit card through the bank's website, over the phone, or at a branch location. The online route is fastest—you'll go to Huntington's credit card page, select the card that matches your spending habits, and click the process link. The form asks for your name, address, date of birth, Social Security number, employment information, and annual income. You'll also enter details about any existing Huntington accounts.

If you prefer to explore by phone, call Huntington's customer service line and ask to speak with someone about credit card applications. They'll walk you through the same questions and can answer questions about specific card features in real time. Existing Huntington customers can also visit a branch in person, where a banker can review card options and submit your process on the spot.

What Happens During the Review Process

After you submit your process, Huntington will pull your credit report from one or more of the three major credit bureaus. This hard inquiry may lower your credit score by a few points temporarily. The bank reviews your credit history, income, and existing debts to decide whether to approve you and what credit limit to offer.

Most decisions come back within minutes or hours if you explore online. Some applications require additional review and may take a few business days. Huntington will contact you by phone, email, or mail with a decision. If approved, you'll learn your credit limit and any introductory offers that explore to your account. If denied, the bank will explain the reason and tell you how to dispute any errors on your credit report.

Receiving and Activating Your Card

Your physical card arrives by mail within 7 to 10 business days after approval. Before you use it, you'll need to set up it—Huntington sends instructions with the card, or you can call the number on the back of the card itself. set up is quick and confirms that you received the card and that it's in your possession.

Once activated, you can use your card when ready for purchases, balance transfers, or cash advances (though cash advances typically carry higher interest rates and fees). You can also set up online account access through Huntington's website or mobile app to view your balance, track purchases, and make payments. Many cardholders set up automatic payments so they never miss a due date.

Understanding Your Statement and Due Dates

Huntington sends you a monthly statement showing all purchases, fees, interest charges, and your minimum payment due. The statement includes a due date—usually 21 to 25 days after the statement closes. If you pay the full balance by that date, you won't owe any interest on purchases (assuming you don't have an existing balance from a previous month).

If you pay only the minimum, interest accrues on the remaining balance at the card's annual percentage rate (APR), which varies based on your creditworthiness and the specific card. Introductory APR offers (if your card has them) explore only to the type of transaction specified—usually either purchases or balance transfers—and only for the promotional period. After that period ends, the regular APR kicks in on any remaining balance.

Making Payments and Managing Your Account

You can pay your Huntington credit card balance online through the bank's website or app, by phone through automated payment or a customer service representative, or by mail using the payment coupon on your statement. Many cardholders set up automatic payments to transfer money from their Huntington checking account on a specific date each month—usually the due date or shortly before it.

You can also make payments at a Huntington branch in person. If you're carrying a balance and want to pay it down faster, paying more than the minimum reduces the interest you'll owe. Your online account dashboard shows your current balance, available credit, recent transactions, and upcoming due dates, making it straightforward to stay on top of your account.

Rewards, Fees, and When to Use Your Card

Huntington's cash back and rewards cards earn points or cash on every purchase, with higher earning rates in specific categories depending on the card. Some cards offer bonus rewards during the first few months, which can add up quickly if you have planned spending. Check your card's terms to understand which purchases earn the highest rate and whether there are caps on category earnings.

Annual fees vary by card—some Huntington cards have no annual fee, while others charge $95 or more. Weigh the annual fee against the rewards you expect to earn; if you spend enough in bonus categories or earn enough cash back, the fee may be worth it. Cards with introductory 0% APR offers on purchases or balance transfers are useful for planned large expenses or debt consolidation, but the regular APR applies after the promotional period ends.

Frequently Asked Questions

How long does it take to get approved for a Huntington credit card?

Most online applications receive a decision within minutes or hours. Some applications require additional review and may take a few business days. Huntington will contact you with a decision by phone, email, or mail. Your physical card arrives 7 to 10 business days after approval.

What credit score do I need to get a Huntington card?

Huntington doesn't publish a minimum credit score requirement, but most of its cards are designed for people with good to excellent credit (typically 670 or higher). The bank reviews your full credit history, not just your score. If you're denied, you can ask Huntington for the specific reason and check your credit report for errors.

Can I use my Huntington card right away, or do I have to wait for the physical card?

You must wait for the physical card to arrive and set up it before you can use it for purchases. Some banks offer temporary digital card numbers you can use when ready, but Huntington typically requires the physical card. Check your approval email or account dashboard to see if a digital card option is available.

What happens if I miss a payment?

If you miss your due date, Huntington charges a late fee (usually $25 to $35 for the first late payment) and may increase your APR. Missing a payment also shows up on your credit report and can lower your credit score. Contact Huntington when ready if you can't make a payment—the bank may work with you on a payment plan or hardship options.

Can I transfer a balance from another credit card to my Huntington card?

Some Huntington cards offer balance transfer options, usually with an introductory 0% APR for a set period. Balance transfers typically charge a fee (usually 3% to 5% of the amount transferred) and require you to initiate the transfer through your Huntington account or by calling customer service. Check your card's terms to see if balance transfers are available and what the promotional period covers.