| Category | Rate | Type | Cap |
|---|---|---|---|
|
All Other Purchases
Unlimited 1% cash back on every net purchase (purchases less returns); no maintenance fees.
|
1x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
Credit Bureau Reporting for Credit Building
Account activity is reported to all three major credit bureaus (Experian, Equifax, and TransUnion) to help cardholders build or rebuild credit history.
|
Financial | — |
|
No Maintenance Fees
The Huntington Secured Credit Card does not charge any account maintenance fees.
|
Financial |
Fee waived
Up to $0
|
|
Refundable Security Deposit / Upgrade Path
A refundable deposit of $250 to $2,500 sets the credit limit; after seven months, Huntington periodically reviews the account for eligibility to upgrade to the Huntington Cashback Credit Card, at which point the deposit is returned and the balance transferred.
|
Financial | $250–$2,500 deposit, refundable |
|
Free FICO Credit Score Access
Cardholders can check their FICO credit score online free of charge.
|
Lifestyle | Complimentary |
|
Mobile Payments Support
Card can be added to Apple Pay, Google Wallet, or Samsung Pay for contactless payments in-store or online.
|
Lifestyle | Complimentary |
|
Mastercard ID Theft Protection
24/7 access to a variety of identity theft resolution services, provided by Iris Powered by Generali; cardholders must register for the service.
|
Security | Complimentary |
|
Zero Liability Protection
Cardholders are not held responsible for unauthorized purchases made on the card, subject to Mastercard's Zero Liability terms and certain limitations; unauthorized transactions should be reported promptly.
|
Security | Complimentary |
|
Mastercard Airport Concierge
15% savings on Airport Meet and Greet services worldwide, including a personal assistant to escort cardholders through the airport 24/7; benefit subject to change without prior notice.
|
Travel | 15% savings |
