| Category | Rate | Type | Cap |
|---|---|---|---|
|
All Purchases
Unlimited 1% 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.
|
1x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
Automatic Upgrade Path to Cashback Credit Card
After seven months of account opening, Huntington periodically reviews the account for eligibility to upgrade to the Huntington Cashback Credit Card. Upon qualifying, the security deposit is fully returned and any balance is automatically transferred to the new unsecured card.
|
Financial | Complimentary upgrade review |
|
No Annual Fee
The card carries no annual fee, making it a zero-cost credit-building tool regardless of how long the account is held.
|
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.
|
Financial |
$0 foreign transaction fee
Up to $0
|
|
No Penalty APR
Huntington does not impose a penalty APR for late or missed payments; the standard 26.49% variable APR remains unchanged regardless of payment history.
|
Financial | No penalty rate |
|
Refundable Security Deposit
A one-time refundable deposit of $250–$2,500 is required equal to the credit limit. The deposit is returned upon account closure after outstanding balance is satisfied, or automatically returned upon qualifying upgrade to the Huntington Cashback Credit Card.
|
Financial | $250–$2,500 refundable |
|
Financial Education Resources
Huntington provides built-in access to financial literacy tools, tips, and resources to support credit-building habits and long-term financial wellness.
|
Lifestyle | Complimentary |
|
Mobile Wallet Compatibility
The card is compatible with Apple Pay®, Google Wallet™, and Samsung Pay for fast, secure contactless payments in-store and online.
|
Lifestyle | Complimentary |
|
Credit Bureau Reporting
Account activity is reported to all three major credit bureaus — Experian, Equifax, and TransUnion — helping cardholders establish or rebuild their credit history with responsible use.
|
Other | Reported to all 3 bureaus |
|
1% Unlimited Cash Back
Earn 1% cash back on every net purchase with no category restrictions, no earning caps, and no expiration as long as the account remains open and in good standing.
|
Rewards | 1% on all purchases |
|
Flexible Cash Back Redemption
Cash back may be redeemed as an automatic monthly statement credit or as a manual redemption. Minimum $10 required for manual redemptions.
|
Rewards | Complimentary |
|
Huntington Confirm It Fraud Alerts
Free automatic fraud alert service that notifies cardholders of suspicious account activity via text, email, or automated phone call. Cardholders may 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 available from over 80 countries via 1-800-307-7309 in the U.S. and Canada.
|
Security | Complimentary |
|
Mastercard Zero Liability Protection
Cardholders are not held responsible for unauthorized purchases on their account. 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 |
