The Huntington Cashback credit card is designed for those who want a straightforward way to earn cash back on every purchase without worrying about complicated rewards categories or spending limits. With this card, you can enjoy 1.5% unlimited cash back on all purchases, making it an excellent choice for everyday spending.

Beyond its cash-back rewards, the Huntington Cashback credit card offers several valuable features, such as no foreign transaction fees, Late Fee Grace®, and access to Mastercard® World Elite benefits. These perks make it a versatile and user-friendly option for those seeking both convenience and rewards in their credit card. Let’s dive deeper into the key aspects of this card to see why it might be the right fit for your wallet.

Key information about the Cashback credit card Huntington

The Huntington Cashback credit card stands out for its simplicity and efficiency in earning rewards. You’ll earn 1.5% cash back on every purchase, regardless of the category, with no caps on how much you can earn. This flat-rate rewards structure means you don’t have to track specific spending categories or worry about hitting a maximum limit. All your purchases contribute to your cash back total, providing consistent value over time.

How does the annual fee work?

One of the standout features of the Huntington Cashback credit card is that it has no annual fee. This means you can enjoy all the benefits and cash-back rewards the card offers without worrying about an additional yearly cost. For many cardholders, this is a crucial factor, as it allows them to maximize the card’s value without the burden of an ongoing expense.

How is the credit limit determined?

The credit limit for the Huntington Cashback credit card is determined by Huntington Bank based on several factors, including your creditworthiness, income, and overall financial profile. When you apply for the card, Huntington Bank reviews your credit report and financial situation to establish a credit limit that aligns with your ability to manage debt responsibly.

Credit card benefits 

• Unlimited 1.5% cash back: Earn 1.5% cash back on every purchase, with no limits or categories to track.
• No annual fee: Enjoy all the card’s benefits without worrying about an annual fee, making it a cost-effective option for long-term use.
• No foreign transaction fees: Use your card abroad or for online purchases from foreign retailers without incurring extra charges.
• Late fee grace®: If you miss a payment, you get an extra day to make your minimum payment without incurring a late fee, providing added flexibility.
• Free FICO® credit score: Monitor your credit health with free monthly access to your FICO® credit score.
• Digital wallet compatibility: Add your card to most digital wallets for quick and secure transactions.

Unlimited 1.5% cash back

The most significant advantage of the Huntington Cashback credit card is its unlimited 1.5% cash back on every purchase. This straightforward rewards structure ensures that you earn consistent cash back without worrying about spending categories or caps.

Whether you’re making large purchases or small daily transactions, you’ll earn the same flat-rate cash back, making it easy to accumulate rewards over time. This feature is particularly beneficial for those who want a simple, hassle-free way to earn rewards on all their spending.

Disadvantages

• No introductory APR offer: Unlike some other cash-back cards, the Huntington Cashback credit card does not offer a 0% introductory APR on purchases or balance transfers, which could be a drawback for those looking to finance large purchases or consolidate debt without paying interest initially.
• Limited reward rate: While the 1.5% cash back is consistent, other cards may offer higher rewards rates in specific categories, which could be more advantageous for those with targeted spending habits.
• No bonus rewards: The card does not offer any sign-up bonus or enhanced rewards for meeting spending thresholds, which might make it less attractive to those looking for an initial boost in rewards.

No introductory APR offer

One notable disadvantage of the Huntington Cashback credit card is the lack of a 0% introductory APR offer on purchases or balance transfers. Many cash-back cards provide a period of interest-free financing, which can be beneficial for cardholders looking to make large purchases or transfer balances from higher-interest cards. The absence of this feature means that if you plan to carry a balance, you may start accruing interest charges right away, which could diminish the overall value of the card.

Who can apply for this card?

To apply for the Huntington Cashback credit card, you must meet certain eligibility requirements:

• Age: Applicants must be at least 18 years old.
• Residency: The card is available to U.S. residents with a valid Social Security number or Tax Identification Number.
• Creditworthiness: You must meet the credit criteria established by Huntington Bank, which typically requires a good to excellent credit score.
• Income: Proof of income may be required to demonstrate your ability to manage credit and make timely payments.

How to apply for the Cashback credit card Huntington

Applying through the website

Applying for the Huntington Cashback credit card is a straightforward process that can be easily completed online. To begin, visit the official Huntington Bank website and navigate to the credit card section, where you will find the Huntington Cashback credit card listed among other available options.

Once you’ve selected this card, you’ll be directed to a detailed information page that includes the “Apply Now” button. Clicking this button will take you to the online application form, where you’ll be asked to provide your personal details, including your name, address, Social Security number, and income information.

As you fill out the application, it’s important to ensure that all the information you provide is accurate and up-to-date. This accuracy is crucial, as any errors could delay the processing of your application or even affect your eligibility.

After completing the necessary fields, take a moment to review the entire application before submitting it. Once you’re confident that everything is correct, you can submit your application electronically. After submission, Huntington Bank will review your application, which includes assessing your creditworthiness based on your financial history and credit score.

This review process typically takes a few business days, but some applicants may receive an instant decision depending on their financial profile. If your application is approved, you will receive your Huntington Cashback credit card in the mail within a few business days.

Upon receiving the card, you will need to activate it either online or by phone before you can start using it to make purchases and earn cash-back rewards. The entire process is designed to be user-friendly, ensuring that you can quickly and easily get started with your new credit card.