The Huntington Cashback Credit Card stands out for its simplicity and valuable rewards, offering 1.5% unlimited cashback on all purchases without categories or caps. With no annual fee, it appeals to those seeking straightforward benefits and ease of use.
In this article, we’ll delve into the card’s key features, such as its fee structure, how credit limits are determined, and the standout advantages and disadvantages. Additionally, you’ll learn who can apply for the card and explore the step-by-step process of applying online, through the app, or in person at a branch.
Key information about the credit card
How does the annual fee work?
One of the most appealing aspects of the Huntington Cashback Credit Card is that it comes with no annual fee. For cardholders, this means that they don’t have to worry about extra costs cutting into their cashback rewards.
It’s an excellent choice for those who want to enjoy the benefits of a credit card without the burden of additional fees. The absence of foreign transaction fees further enhances the card’s appeal for frequent travelers, making it a convenient option for both domestic and international purchases.
How is the credit limit determined?
When it comes to determining the credit limit for the Huntington Cashback Credit Card, the bank takes into account several factors, including the cardholder’s credit score, income, and overall credit history. This ensures that users are provided with a credit limit that aligns with their financial standing. Huntington strives to offer a limit that is flexible enough to meet the everyday needs of its customers while maintaining responsible lending practices.
Advantages of the credit card
- Unlimited cashback: The card offers 1.5% cashback on all purchases, without any caps or category restrictions.
- No annual fee: Cardholders enjoy all the perks without having to pay an annual fee, making it a cost-effective option.
- No penalty pricing: Unlike many other cards, the Huntington Cashback Credit Card won’t raise your APR if you miss a payment or go over your credit line.
- Digital wallet integration: The card is compatible with major digital wallets like Apple Pay and Google Pay, providing convenience for online and in-store transactions.
- Free FICO score: Cardholders can check their FICO credit score monthly, free of charge, which helps in monitoring and improving credit health.
- Mastercard World Elite benefits: This includes access to 24/7 concierge services, providing added luxury for cardholders who want more than just basic perks.
Standout advantage
One of the standout features of the Huntington Cashback Credit Card is the Late Fee Grace® program. This unique benefit gives cardholders an extra day to pay their minimum payment if they miss the due date, avoiding late fees and the stress of potential penalties. This program is perfect for those who may occasionally miss their payment due date but are still able to cover their minimum payment within a short period.
Disadvantages
- No introductory APR offer: The card doesn’t offer a 0% introductory APR, which some other cashback cards provide as an incentive.
- Limited additional rewards: It offers 1.5% cashback on all purchases, but lacks higher rewards rates for specific categories like dining or travel.
- Fewer travel benefits: Although it has no foreign transaction fees, the card lacks travel-specific perks that other cards in the same category might offer.
A standout disadvantage
The primary disadvantage of the Huntington Cashback Credit Card is the lack of an introductory 0% APR offer. Many competing cashback credit cards offer a promotional period where new cardholders can benefit from 0% APR on purchases or balance transfers, providing financial relief for those looking to make large purchases or transfer debt. Huntington’s decision to omit this feature may make it less appealing to those who prioritize interest-free promotional periods.
Who can apply for this card?
The Huntington Cashback Credit Card is accessible to a wide range of applicants, though there are some standard requirements. Applicants must be at least 18 years of age and have a valid Social Security Number. Additionally, Huntington typically requires applicants to have a good credit score, which means a FICO score of around 670 or higher.
While there is no minimum income requirement explicitly stated, applicants are expected to demonstrate a stable source of income during the application process. Unfortunately, this card is not designed for those with poor credit or individuals with a history of missed payments. However, those with a good or excellent credit history will find it relatively easy to qualify for this card, as long as they meet the basic eligibility criteria.
How to apply for the Huntington Cashback Credit Card
For the website
To apply for the Huntington Cashback Credit Card online, you can visit Huntington’s official website. The application process starts with filling out a form that requires your personal information, such as your name, address, Social Security Number, and income details.
The website also includes detailed instructions and guidelines, helping applicants understand the criteria for approval and what documents might be needed. Once the application is submitted, Huntington typically provides an instant decision, although in some cases, further review might be required.
Through the app
For those who prefer to manage their finances on the go, the Huntington Cashback Credit Card can also be applied for through the Huntington mobile app. The process is similar to the online application, but with the added convenience of using a smartphone.
The app also allows users to track the status of their application, receive real-time notifications, and, if approved, manage their new credit card directly from the app. The app is highly intuitive, and users can easily upload any required documents, such as proof of income, through the camera feature.
At the branch
If you prefer a more personal approach, you can apply for the Huntington Cashback Credit Card by visiting a local Huntington branch. Here, a representative can guide you through the application process, answer any questions, and ensure that all required documents are properly submitted.
Applying in person may take slightly longer than the online or app methods, but it provides a face-to-face interaction that some customers might find reassuring, especially if they have specific questions or concerns about the credit card’s features.
