| Category | Rate | Type | Cap |
|---|---|---|---|
|
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. Rewards Option cardholders only — Lower Rate option earns no points.
|
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. Rewards Option cardholders only.
|
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. Rewards Option cardholders only.
|
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. Rewards Option cardholders only.
|
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. Rewards Option cardholders only.
|
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. Rewards Option cardholders only.
|
3x | Points | $8,000/yr |
|
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. Rewards Option cardholders only.
|
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. Rewards Option cardholders only.
|
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. Rewards Option cardholders only.
|
3x | Points | $8,000/yr |
|
Auto Parts and Services
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. Rewards Option cardholders only.
|
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. Rewards Option cardholders only — Lower Rate option earns no points.
|
1x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
0% Introductory APR on Balance Transfers
Both card options include 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 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, providing cardholders one additional day beyond the due date to submit payment without incurring a penalty charge.
|
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 |
|
Lower Purchase APR Option
Cardholders may elect a Lower Rate option with a purchase APR of 13.49%–25.49% variable instead of earning rewards, providing meaningful interest savings for those who carry a balance month to month.
|
Financial | 13.49%–25.49% variable APR |
|
No Annual Fee
The card carries no annual fee under either the Rewards or Lower Rate option, making it a zero-cost card to hold indefinitely.
|
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 suitable for international travel and spending.
|
Financial |
$0 foreign transaction fee
Up to $0
|
|
No Penalty APR
Huntington does not impose a penalty APR for late or missed payments on this card, meaning the purchase APR will not increase due to 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, and other 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 (Rewards Option)
Earn 1X point on every $1 spent on all purchases not in the selected bonus category, and on bonus category spend 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 (Rewards Option)
Earn 3X points on up to $2,000 in purchases per quarter in one category selected from ten pre-selected options. Category may be selected once within the first 30 days of account opening, then changed prior to the start of each subsequent quarter.
|
Rewards | 3X points up to $2,000/quarter |
|
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, 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 made 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 suite of travel benefits, amenities, upgrades, and preferential treatment from best-in-class travel partners including hotels, airlines, tours, cruises, and car rentals. Includes the Mastercard Lowest Hotel Rate Guarantee and Hotel Stay Guarantee, accessible via a 24/7 lifestyle manager.
|
Travel | Complimentary access |
