Get Your Free Huntington Bank Credit Card Guide

Understanding Huntington Bank Credit Cards: An Overview

Huntington Bank, a regional financial institution with roots dating back to 1866, offers several credit card products designed for different financial situations and spending patterns. This informational guide explores what these credit cards are, how they function, and what features they typically include. Understanding credit cards from a major bank requires knowing the basic structure of how credit works and what terms you'll encounter when reviewing card options.

Get Your Free Gift Card Tax Information Guide →

Credit cards issued by Huntington Bank are payment tools that allow you to make purchases on borrowed money, which you repay later. When you use a credit card, the card issuer pays the merchant, and you receive a bill each month. The relationship between the cardholder and the bank is governed by a contract called the cardholder agreement, which outlines all terms, conditions, and fees.

Huntington Bank operates in multiple states across the Midwest and Mid-Atlantic regions, including Ohio, Indiana, Kentucky, Pennsylvania, and Michigan. The bank serves millions of customers through both physical branches and digital banking platforms. Their credit card products are part of a broader banking ecosystem that includes checking accounts, savings products, loans, and investment services.

Credit cards differ from debit cards in fundamental ways. Debit cards draw directly from your bank account, while credit cards create a debt you must repay. This distinction matters because credit card activity is reported to credit bureaus, affecting your credit history and credit score. Your credit score influences future borrowing opportunities and the terms lenders offer you.

Practical Takeaway: Before exploring any credit card option, understand that credit cards are borrowing tools, not free money. Every purchase creates a debt you'll need to repay, potentially with interest charges if you don't pay your full balance by the due date.

Types of Credit Cards Available From Huntington Bank

Huntington Bank has offered various credit card products over time, each designed with different customer needs in mind. While specific product availability changes, the bank typically maintains cards in several categories: cash back cards, rewards cards, travel cards, student cards, and cards for those rebuilding credit. Understanding the differences between these categories helps you see which type might match your spending habits and financial goals.

How to Pay Your Torrid Credit Card Bill →

Cash back credit cards return a percentage of your spending back to you as cash or statement credits. For example, a card might offer 1.5% cash back on all purchases, meaning a $100 purchase earns $1.50 in cash back. Some cards offer higher percentages in specific categories like groceries, gas, or restaurants, while offering lower percentages on other purchases. Cash back cards appeal to customers who want simple rewards without worrying about point values or redemption complexity.

Rewards cards operate similarly to cash back cards but use a points system instead. Rather than receiving a percentage back directly, you earn points that can be redeemed for travel, merchandise, account credits, or other benefits. Some rewards cards partner with airline or hotel companies, offering points that convert to travel benefits. These cards often appeal to frequent travelers or people who want flexibility in how they use their rewards.

Student credit cards target younger borrowers who may have limited credit history. These cards often come with lower credit limits and may offer educational resources about responsible credit use. Student cards sometimes waive annual fees or provide lower interest rates than standard products. Banks market these cards specifically to college students and recent graduates building their initial credit profiles.

Secured credit cards serve people with limited or damaged credit histories. These cards require a cash deposit that becomes your credit limit. For instance, a $500 deposit might give you a $500 credit limit. Making on-time payments on a secured card helps rebuild your credit history. After demonstrating responsible use, many cardholders can graduate to unsecured cards with higher limits and better terms.

Practical Takeaway: Identify your primary credit card use before exploring options—whether you're focused on earning rewards, rebuilding credit, making everyday purchases, or something else. This clarity helps you evaluate which card structure makes sense for your situation.

Key Features and Terms You'll Encounter

Credit card documents contain specific terms that directly affect how much a card costs and how much value you receive. Learning these terms helps you compare different options and understand your cardholder agreement. Banks are required by law to disclose these terms clearly, typically in a document called the Schumer Box or summary box that appears on credit card product pages.

Learn About Credit Card Reward Programs →

Annual Percentage Rate, or APR, represents the yearly interest rate charged on balances you carry. If you pay your full statement balance by the due date each month, you typically pay no interest. However, if you carry a balance, interest accrues at the APR. For example, a card with a 18% APR means you'll pay 18% annual interest on any unpaid balance. Different APRs may apply to different types of transactions—purchase APR, balance transfer APR, and cash advance APR may all differ on the same card. Introductory APR offers provide 0% interest for a set period, sometimes 6 to 21 months, before the standard APR kicks in.

The Annual Fee is an amount the bank charges each year just for holding the card, regardless of whether you use it. Annual fees range from zero dollars on many basic cards to $400 or more on premium cards with extensive benefits. Cards targeting premium customers often justify annual fees through rewards multipliers, travel benefits, or concierge services that frequent users value. Basic cards typically have no annual fee.

Credit Limit is the maximum amount you can borrow on the card at any time. The bank sets this limit based on your credit history, income, and creditworthiness. Using a high percentage of your available credit (called your utilization ratio) negatively affects your credit score. Financial experts often recommend keeping your utilization below 30% to protect your credit rating.

Grace Period refers to the time between your purchase date and the date interest begins accruing if you don't pay off the balance. Federal law requires at least 21 days grace period on purchases. A longer grace period works in your favor because it gives you more time to pay without incurring interest charges.

Rewards Rates describe how much you earn back on purchases. These might be stated as a flat percentage (like 1.5% on all purchases), or as bonus rates on specific categories (3% on groceries, 1% on everything else). Understanding whether rewards apply to all purchases or only certain categories helps you calculate the actual value you'll receive based on your spending patterns.

Practical Takeaway: When comparing credit card options, prioritize understanding APR and annual fee first. Then evaluate rewards rates based on your actual spending. A card with high rewards but a $400 annual fee may not benefit you if you don't spend enough to earn rewards exceeding that fee.

How to Access and Review Huntington Bank Credit Card Information

Information about Huntington Bank credit cards is available through multiple channels. The bank maintains a website where current credit card offerings are displayed with full terms, rates, and features listed. You can visit the Huntington Bank website directly to browse available credit card products without committing to anything. The site shows the key terms in comparison format, making it easier to see how different cards differ from one another.

Sears Credit Card Account Access Guide →

Each credit card product page typically includes the Schumer Box—a standardized table showing APR, annual fee, grace period, and other key terms. This format, required by federal regulation, uses identical layouts across all banks, making it possible to compare Huntington cards to credit cards from other banks side-by-side. Beyond the Schumer Box, product pages usually include fuller descriptions of rewards structures, benefits, and any promotional offers available.

Cardholder agreements provide the complete legal terms and conditions. These lengthy documents cover everything from how interest is calculated, to fees for various services, to your rights if you dispute a transaction. While dense, reviewing relevant sections of the agreement helps you understand specifics about a card that interests you. For instance, you might check whether closing the card affects your rewards account, or what happens to rewards if you fail to make payments.

Huntington Bank branches located throughout their service territory have staff who can discuss credit card options in person. Speaking with a banker allows you to ask specific questions about how different cards might fit your situation. They can explain features you don't understand and discuss current promotional offers that may not be widely advertised. In-person conversations sometimes reveal details about limited-time offers.

Customer reviews and third-party financial websites provide additional perspectives on Huntington credit cards. Sites like NerdWallet, The Points Guy, and Bankrate publish reviews based on their own criteria and sometimes aggregate customer feedback. These