| Category | Rate | Type | Cap |
|---|---|---|---|
|
All Purchases
Unlimited 1.5% cash back on every net purchase (purchases less returns) with no category restrictions, no earning caps, and no rotating categories. Cash advances, balance transfers, and account fees do not earn cash back.
|
1.5x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
0% Introductory APR on Balance Transfers
New cardholders receive a 0% introductory APR for the first 12 billing cycles on balance transfers made within the first 90 days of account opening. The standard variable APR of 15.49%–27.49% applies thereafter.
|
Financial | 0% for 12 billing cycles |
|
Extra Day Late Payment Grace
A late fee is not assessed until the day after the payment due date, giving cardholders one additional day beyond the due date to submit payment without incurring a penalty.
|
Financial | 1 additional grace day |
|
Free FICO Credit Score Access
Cardholders can check their FICO credit score online at no charge through Huntington's online banking portal.
|
Financial | Complimentary |
|
No Annual Fee
The card carries no annual fee, making it a zero-cost card to hold year over year with no threshold of spending required to offset it.
|
Financial |
$0 annual fee
Up to $0
|
|
No Foreign Transaction Fee
The card charges no foreign transaction fee on purchases made outside the United States, making it cost-effective for international use.
|
Financial |
$0 foreign transaction fee
Up to $0
|
|
Mastercard Concierge Service
World Elite Mastercard 24/7 personal concierge service providing assistance with travel planning, dining and entertainment reservations, pre-trip destination briefings, reminder services, and local on-site support. Accessible by calling 1-877-354-8330. Cost of goods or services arranged is billed to the card.
|
Lifestyle | Complimentary service |
|
Mobile Wallet Compatibility
The card is compatible with Apple Pay®, Google Wallet™, and Samsung Pay for contactless in-store and online payments.
|
Lifestyle | Complimentary |
|
Automatic Cash Back Redemption
Cardholders may enroll in automatic monthly statement credit redemption, with all available cash back transferred at the close of each billing cycle. Manual redemptions require a $25 minimum.
|
Rewards | Complimentary |
|
Cash Back Never Expires
Earned cash back rewards do not expire as long as the account remains open and in good standing. Promotional cash back rewards may carry a disclosed expiration date.
|
Rewards | No expiration |
|
Unlimited 1.5% Cash Back
Earn 1.5% cash back on every $1.00 in net purchases with no earning cap, no rotating categories, and no category restrictions.
|
Rewards | 1.5% on all purchases |
|
Huntington Confirm It Fraud Alerts
Free automatic fraud alert service that notifies cardholders of suspicious activity via text, email, or automated phone call. Cardholders can opt out of text alerts at any time by texting STOP to 49847.
|
Security | Complimentary |
|
Mastercard Global Service™
Provides 24/7 worldwide assistance for lost or stolen card reporting and emergency card replacement. Toll-free support is available from over 80 countries via 1-800-307-7309 in the U.S. and Canada.
|
Security | Complimentary |
|
Mastercard ID Theft Protection™
Provides 24/7 monitoring of the surface, dark, and deep web for compromised credentials and personally identifiable information, with single-bureau credit monitoring (TransUnion) and access to resolution specialists if identity theft occurs. Enrollment required at mastercardus.idprotectiononline.com.
|
Security | Complimentary |
|
Mastercard Zero Liability Protection
Cardholders are not held responsible for unauthorized purchases. Unauthorized transactions must be reported promptly through Huntington's dispute process. Certain limitations apply per Mastercard's Zero Liability policy.
|
Security | Full unauthorized purchase protection |
|
Mastercard Airport Concierge™
Cardholders receive 15% savings on Airport Meet and Greet services worldwide, where a personal assistant escorts them through the airport available 24/7. This benefit is subject to change; call 1-800-MASTERCARD for the latest information.
|
Travel | 15% savings on Meet and Greet services |
|
Mastercard Travel & Lifestyle Services
Access to a curated suite of travel benefits, amenities, upgrades, and preferential treatment from best-in-class travel partners across hotels, air travel, tours, cruises, and car rentals through the World Elite Mastercard program.
|
Travel | Complimentary access |
