| Last updated on October 3rd, 2023
Huntington Cashback Credit Card
Huntington Cashback Credit Card
Huntington Cashback Credit Card
- 17.24% to 29.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 17.24% to 29.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.24% variable based on the Prime Rate Cash Advance APR
At a Glance
The Huntington Cashback Credit Card is a versatile cash back card that prioritizes rewards, not hidden fees. The card earns an unlimited 1.5% cash back on all purchases while avoiding an annual fee, foreign transaction fees, late fees, or penalty APR.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- Earn 1.5% back on all eligible purchases
- 0% Intro APR on balance transfers for 12 billing cycles from account opening
- Regular Purchase APR: 17.24% to 29.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months
- Balance Transfer APR: 17.24% to 29.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either 3% of the transfer amount or $10, whichever is greater
- Cash Advance APR: 29.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either 3% of the advance amount or $10, whichever is greater
- Late Payment Penalty Fee: $40
- You want a no-nonsense rewards card with no additional fees
- You have an existing balance you want to pay off over time
- You don’t want to pay an annual fee
- You live in one of the seven states served by Huntington National Bank
Huntington Cashback Credit Card Review
The Huntington Cashback Credit Card is an unlimited cash back reward credit card from leading regional bank Huntington Nation Bank. The card provides unlimited 1.5% cash back rewards on every purchase while avoiding many of the hidden fees common with credit cards.
Earn Unlimited 1.5% Cash Back
The Huntington® Cashback Credit Card earns unlimited 1.5% cash back on every purchase. That earning rate – 1.5% cash back on every $1 spent on purchases – is on par with several popular options from larger banks. The most glaring similarities are the Chase Freedom Unlimited and American Express Cash Magnet, which provide 1.5% cash back on every purchase. The card also earns the same rewards rate as the Discover It Miles, though that card technically earns points instead of cash back.
How to Redeem Rewards
Redeeming cash back with Huntington is easy and customizable. Cardholders can select their rewards as an automatic, monthly statement credit on the Cashback Credit Card account or hold on to their rewards for a deposit into any Huntington or other financial institution checking or savings account.
Cashback redemptions for a deposit into any Huntington or other financial institution checking or savings account are generated as an ACH deposit to the designated account typically within 3 business days of the redemption request.
Rewards with Huntonton do not expire as long as the account is active and open. Cash back rewards with the bank are valued at one cent per point.
0% Intro APR on Balance Transfers for 12 Months
The Cashback Card also features 0% intro APR on balance transfers. New accounts enjoy 0% APR for the first 12 billing cycles following account opening on any balance transfer made within the first 90 days.
After that, the regular APR varies depending on the applicant’s creditworthiness. Rates vary between approximately 13% at the low end (for excellent credit) and around 26% for those with average credit scores.
Fair Play Banking
Another unique feature that sets Huntington apart from some banks is its “Fair Play Banking” philosophy. For example, cardholders can opt for automatic monthly redemptions or redeem their rewards manually. This Fair Play Banking process removes many of the frustrating features of other credit cards, including hidden fees and confusing redemption options.
Huntington National Bank’s Fair Play Banking also gives cardholders “Late Fee Grace.” This popular feature provides an additional day on the grace period to make a payment and avoid late fees. Cardholders also enjoy no penalty fee pricing, meaning their APR will never rise – even if they miss a payment.
Other Card Features
Other noteworthy features of the Huntington Cashback Credit Card include:
- No annual fee
- No foreign transaction fees
- Complimentary authorized user cards upon request
- EMV chip and contactless payment technology
- FICO Score access every month
- Mastercard ID Theft Protection
- Zero Liability Protection
Should You Apply for the Huntington Cashback Credit Card?
Unlimited 1.5% cash back credit cards aren’t uncommon. In fact, there is a huge assortment of not only 1.% cash back credit cards – but also 2% back cards like the TD Bank Double Up or the Citi Double Cash.
Despite this crowded marketplace, the Huntington National Bank version of the Cashback Card offers more than just quality cash back. The card also features 0% APR for 12 months on balance transfers, plus a lack of hidden fees through Huntington’s Fair Play Banking. Ultimately, that lack of fees – along with a quality, everyday APR- makes the Huntington Cashback Credit Card such a versatile option.
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