The Huntington National Bank is a well-established regional banking institution that is recognized for its commitment to serving the financial needs of individuals and businesses in the Midwest United States.
With its headquarters situated in Columbus, Ohio, the bank offers a comprehensive range of financial services, catering to both personal and business banking needs. They also let people apply for credit cards, and they have different benefits for people’s needs.
One of these is the Cashback Credit Card, and as its name implies, it lets you win some cashback rewards from purchases you make. There are some requirements you must follow in order to apply for one, but once you have it, you can make the most of your money and purchases.
What Does the Huntington Cashback Credit Card Offer?
It is a type of credit card designed to provide cardholders with cashback rewards on their purchases. This means that for every dollar spent on eligible purchases, a certain percentage of cash will be returned to the cardholder.
To be specific, the cashback rate that the card offers is 1.5% for every $1.00 in all eligible net purchases, with no annual fee. You can accumulate cashback rewards and redeem them with different methods:
- If you choose to redeem them manually, you will receive the rewards earned as a statement credit or as a direct deposit to your account. For deposits into any Huntington or other financial institution checking or savings account, they are generated as an ACH deposit to the designated account typically within 3 business days of the redemption request.
- For automatic redeeming, total cash rewards earned will automatically be credited to your account as a statement credit. It is not exactly a payment to your account, rather it reduces the amount you owe without a payment from you.
If you want to redeem manual rewards quickly, you need to have at least $25 for any one-time manual cashback rewards redemptions. However, for automatic, the bank will transfer all cashback rewards available at the time when your current billing cycle ends, and your statement is generated.
You can keep earning rewards without worries since there is no limit. In fact, if you keep your account open and in good standing, the cashback rewards you earn with the Huntington Cashback Credit Card will not expire.
However, if you earn cashback rewards through a promotion, there may be an expiration date, so remember to check if Huntington puts up one and redeem it before it’s too late.
Interest Rates and Charges
Although there are no annual fees with the Huntington Cashback Credit Card, you should know that there are still some interest rates and charges included. These are:
- Annual Percentage Rate (APR) for Purchases. It can go from 17.24% to 29.24% based on creditworthiness. This APR will vary with the market based on the prime rate.
- APR for Cash Advances. It is 29.24% and it only varies depending on the prime rate.
- APR for Balance Transfers. Same as the APR for purchases.
If you are a new account holder, then you are in luck regarding balance transfers. Huntington offers 0.00% Introductory APR for the first 12 billing cycles following account opening on any balance transfer made within the first 90 days following account opening. After that, it goes to 17.24% – 29.24%.
Regarding interests in purchases, the charge will be no less than $1.00. But there is one way to avoid interest, and that is if the entire balance is paid by the due date each month, which is at least 21 days after the end of the billing cycle.
All this information and more can be found under the Cashback Credit Card Terms and Conditions.
Benefits of the Cashback Credit Card
There are multiple advantages that the Cashback Credit Card comes with, some regarding management and other security to your account:
- Late Fee Grace. You do not have to worry if you miss a payment; Huntington will give you a 24-hour grace period to make the minimum payment and avoid overdraft fees.
- Locking feature. For safety purposes, you can lock and unlock your Cashback Credit Card with the mobile app or online banking.
- Free FICO Credit Score. The FICO score is a summary of your credit report that helps lenders make decisions about loaning you money. In Huntington, you can check this without any extra charge.
- No penalty pricing. Your APR will not increase if you miss a payment, go beyond your credit line, or incur other delinquency.
- Card’s chip. The card is equipped with chip technology, which adds an extra layer of security when making purchases in-store and it offers zero liability protection, meaning you won’t be held responsible for unauthorized charges made with your card.
How to Apply for the Huntington Cashback Credit Card
- Click here to go to the credit card application website.
- Choose how you want to redeem rewards, whether manually or automatically, and click on Get Started.
- If you have a Huntington account, tap on yes and enter your username and password. If not, you will need to create an account first, and then tap on Continue.
- Fill out the application with your personal and financial information and follow the prompts.
- Read the terms and conditions of the credit card and submit the application.
After that, you just have to wait until you receive a response from Huntington National Bank. If accepted, contact your nearest branch to know when and how to receive the Cashback Credit Card.
Get Your Huntington CashBack Credit Card Now!
Overall, the Huntington Cashback Credit Card offers a straightforward and rewarding experience for cardholders. With its competitive cashback rate, no annual fee, and additional benefits, this credit card can be a valuable tool for those looking to earn cashback rewards on their everyday purchases.
Huntington Bank’s commitment to customer satisfaction is evident through its personalized approach to banking. The bank understands the unique requirements of its customers and seeks to provide solutions to meet their specific needs.
You can rest assured that your daily expenses will be covered by the Cashback Credit Card and at the same time use all the features available from it.