| Category | Rate | Type | Cap |
|---|---|---|---|
|
Auto Parts and Service Stores
Earns 3X points when selected as the active quarterly category; limited to $2,000 in spend per quarter ($8,000/year if chosen every quarter). Only one category may be active per quarter. Examples: AutoZone, Discount Tire, Goodyear Auto Service.
|
3x | Points | $8,000/yr |
|
Clothing, Department and Sporting Goods Stores
Earns 3X points when selected as the active quarterly category; limited to $2,000 in spend per quarter ($8,000/year if chosen every quarter). Only one category may be active per quarter. Examples: Ann Taylor, Dick's Sporting Goods, Macy's.
|
3x | Points | $8,000/yr |
|
Discount and Warehouse Stores
Earns 3X points when selected as the active quarterly category; limited to $2,000 in spend per quarter ($8,000/year if chosen every quarter). Only one category may be active per quarter. Examples: Big Lots, Family Dollar, Sam's Club.
|
3x | Points | $8,000/yr |
|
Electronics, Computer and Camera Stores
Earns 3X points when selected as the active quarterly category; limited to $2,000 in spend per quarter ($8,000/year if chosen every quarter). Only one category may be active per quarter. Examples: Apple Store, Best Buy, Midwest Photo.
|
3x | Points | $8,000/yr |
|
Gas Stations
Earns 3X points when selected as the active quarterly category; limited to $2,000 in spend per quarter ($8,000/year if chosen every quarter). Only one category may be active per quarter. Examples: BP, ExxonMobil, Shell.
|
3x | Points | $8,000/yr |
|
Grocery Stores
Earns 3X points when selected as the active quarterly category; limited to $2,000 in spend per quarter ($8,000/year if chosen every quarter). Only one category may be active per quarter. Examples: Giant Eagle, Kroger, Meijer, Pick'n Save.
|
3x | Points | $8,000/yr |
|
Home Improvement Stores
Earns 3X points when selected as the active quarterly category; limited to $2,000 in spend per quarter ($8,000/year if chosen every quarter). Only one category may be active per quarter.
|
3x | Points | $8,000/yr |
|
Restaurants
Earns 3X points when selected as the active quarterly category; limited to $2,000 in spend per quarter ($8,000/year if chosen every quarter). Only one category may be active per quarter.
|
3x | Points | $8,000/yr |
|
Travel and Entertainment
Earns 3X points when selected as the active quarterly category; limited to $2,000 in spend per quarter ($8,000/year if chosen every quarter). Only one category may be active per quarter.
|
3x | Points | $8,000/yr |
|
Utilities and Office Supply Stores
Earns 3X points when selected as the active quarterly category; limited to $2,000 in spend per quarter ($8,000/year if chosen every quarter). Only one category may be active per quarter.
|
3x | Points | $8,000/yr |
|
All Other Purchases
Earns 1X point per $1 on all purchases outside the selected bonus category, and on bonus category spend exceeding the $2,000 quarterly cap. Each point is worth 1 cent at redemption.
|
1x | Points | 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 purchase/balance transfer APR of 15.49%–27.49% applies thereafter.
|
Financial | 0% for 12 billing cycles |
|
Extra Day Late Payment Grace
A late fee is not charged until the day after the payment due date, giving cardholders one additional calendar day beyond the stated due date to submit payment without 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 regardless of spending level.
|
Financial |
$0 annual fee
Up to $0
|
|
No Foreign Transaction Fee
The card charges no foreign transaction fee on international purchases, making it cost-effective for travel and spending 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, meaning the purchase APR will not increase as a result of delinquency.
|
Financial | No penalty rate |
|
Cell Phone Protection
Provides reimbursement of up to $600 per claim for a stolen or damaged cell phone when the monthly wireless bill is paid with the card. Subject to a $50 deductible per claim, limited to two claims per 12-month period with a combined annual maximum of $1,000.
|
Insurance |
Up to $600 per claim, $1,000/year
Up to $600
|
|
Mastercard Travel Lifestyle Manager
Cardholders have access to a 24/7 lifestyle manager through the Mastercard Travel & Lifestyle Services program who can assist with vacation planning, dining reservations, and personal requests at no charge.
|
Lifestyle | Complimentary 24/7 service |
|
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 |
|
1X Points on All Other Purchases
Earn 1X point on every $1 spent on all purchases outside the selected bonus category and on bonus category purchases exceeding the $2,000 quarterly cap. Each point is worth 1 cent at redemption.
|
Rewards | 1X points on all other purchases |
|
3X Points on Chosen Category
Earn 3X points on up to $2,000 in purchases per quarter in one self-selected category from ten options. Category may be selected within the first 30 days of account opening and updated prior to the start of each subsequent quarter.
|
Rewards | 3X points up to $2,000/quarter |
|
Flexible Points Redemption
Points may be redeemed for cash, statement credit, travel, or gift cards through Huntington's rewards portal. Each point equals 1 cent in value, so 5,000 points equals $50. Minimum 2,500 points required per redemption.
|
Rewards | 1 cent per point |
|
Points Never Expire
Earned points do not expire as long as the account remains open and in good standing. Points earned through promotional programs may carry a separately disclosed expiration date.
|
Rewards | No expiration |
|
Huntington Confirm It Fraud Alerts
Free automatic fraud alert service that notifies cardholders of suspicious activity on their account 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, emergency card replacement, and emergency cash advance. 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™
Monitors the surface, dark, and deep web for compromised credentials and personally identifiable information, with single-bureau TransUnion credit monitoring and 24/7 access to identity theft resolution specialists. Enrollment required at mastercardus.idprotectiononline.com.
|
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 |
|
ShopRunner Membership
Complimentary ShopRunner membership providing unlimited free two-day shipping and free return shipping at more than 140 participating online retailers including Neiman Marcus, American Eagle, Tory Burch, Kate Spade, and 1-800-Flowers.com.
|
Shopping | Complimentary membership |
|
Mastercard Airport Concierge™
Cardholders receive 15% savings on Airport Meet and Greet services at over 700 destinations worldwide, with a personal dedicated agent available to escort them through departure, arrival, or connecting airports 24/7.
|
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 leading travel partners across hotels, airlines, tours, cruises, and car rentals. Includes the Mastercard Lowest Hotel Rate Guarantee and Hotel Stay Guarantee.
|
Travel | Complimentary access |
