From its headquarters in Columbus, Ohio, Huntington Bank has been serving communities across the Midwest since its inception in 1866. This regional bank is known for its customer-centric approach and commitment to local communities, including a focus on bringing community banking to underserved, low-income areas.
In recent years, Huntington Bank has grown to serve customers nationwide and provides a variety of financial products and services, including personal banking, business banking and loans. In addition, Huntington Bank currently issues three credit cards:
- The Huntington Secured Credit Card is a credit-building tool for those establishing or rebuilding credit.
- The Huntington Cashback Credit Card is a 1.5% flat-rate cash back card.
- The Huntington Voice Rewards Credit Card offers customizable 3% cash back in a custom category of your choice.
- The Huntington Voice Credit Card is the bank's lowest APR option, offering savings on interest but no rewards on spending.
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Huntington National Bank’s accounts, services and credit cards are available to customers in all 50 states. However, branch locations are limited to these states: Ohio, North Carolina, South Carolina, Colorado, Florida, Illinois, Indiana, Kentucky, Michigan, Minnesota, Pennsylvania, Texas, West Virginia and Wisconsin (as of this writing). The Huntington Secured Credit Card
The Huntington Secured Credit Card is a credit-building option for beginners and second-chance seekers. It reports payments to all three major credit bureaus, which is essential on a credit-building journey. To qualify, you'll have to meet a minimum deposit requirement of $250. That's steeper than you'll find on other secured credit card options, but it can be worth it for the chance to upgrade to a better card later. After seven months with the card, your account is reviewed periodically to determine whether you’re eligible to be upgraded to the Huntington Cashback Credit Card and get your deposit back.
- Annual fee: $0.
- Security deposit: A minimum of $250 required as a deposit.
- Ongoing APR: 26.49% variable APR based on creditworthiness (as of February 2026)
- Foreign transaction fee: None.
Rewards:
Cardholders earn 1% cash back on every purchase, which is decent for a secured credit card — though it's possible to find secured cards with slightly better rewards.
The Huntington Cashback Credit Card
The Huntington Cashback Credit Card is a straightforward option for individuals seeking cashback rewards without an annual fee.
Here’s what you can expect from this card:
- Annual fee: $0.
- Intro APR: 0% introductory APR for the first 12 months on balance transfers made in the first 90 days of holding the card.
- Ongoing APR: 15.49%-27.49% variable APR based on creditworthiness (as of February 2026).
- Balance transfer fee: 3% or $10, whichever is greater.
- Foreign transaction fee: None.
Rewards
Cardholders earn a flat 1.5% cashback on all purchases, making it a simple and hassle-free way to earn money back on everyday spending.
Additional benefits
The Huntington Cashback Credit Card also grants an extra day to pay your minimum payment without receiving a late fee.
The Huntington Voice Rewards Credit Card
This Huntington credit card offers a mix of customizable categories and rewards points. Here are the highlights:
- Annual fee: $0.
- Intro APR: 0% introductory APR for the first 12 months on balance transfers made in the first 90 days of holding the card.
- Ongoing APR: 15.49%-27.49% variable APR based on creditworthiness (as of February 2026).
- Balance transfer fee: 3% or $10, whichever is greater.
- Foreign transaction fee: None.
Rewards
Cardholders can earn 3x rewards on their chosen category from ten available options, up to $2,000 spent per quarter (1% thereafter and on all other purchases). Available categories include:
- Auto parts and services stores.
- Department stores, including sporting goods stores.
- Discount and warehouse stores.
- Electronic, computer and camera stores.
- Gas stations.
- Grocery stores.
- Home improvement stores.
- Restaurants.
- Travel and entertainment.
- Ground transportation (including taxis, buses, and subway).
- Utilities and office supply stores.
You can change your category every month if you choose, giving you the opportunity to maximize your rewards based on your spending. Rewards are issued as points, with each point being worth a penny each.
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Ohio State fans also have the option of choosing the Ohio State Voice Credit Card, which showcases a different design (in the team's colors). It offers the same features as the bank's other Voice credit cards, depending on whether you want the option that earns rewards or the one that offers a low interest rate (below). The Huntington Voice Credit Card
Unlike Huntington’s two rewards credit card options, this card skips out on ongoing rewards in favor of a lower APR. Rewards earned on a credit card rarely outweigh the interest you’ll pay, so if you expect to carry a balance month to month, this card is the way to go.
Here are the details you need to know:
- Annual fee: $0.
- Intro APR: 0% introductory APR for the first 12 months on balance transfers
- Ongoing APR: As of this writing, 13.49%-25.49% variable APR based on creditworthiness.
- Balance transfer fee: 3%
- Foreign transaction fee: None.
Rewards
None, as this card prioritizes a lower APR.
🤓 Nerdy Tip
While the Huntington Voice Credit Card offers a lower APR than it's counterparts, the APR is not all that low. A card that offers 0% APR on purchases for an introductory period may be a better fit. Is a Huntington Bank credit card right for you?
Huntington Bank's credit cards are a pretty solid choice, especially if you're already a Huntington Bank customer or happen to call one of their primary states home. While these cards won't surprise you with flashy signup bonuses or extraordinary perks, they still make for a good, dependable option to earn cashback rewards on your everyday spending.
And when it comes to customer service, you’ll get much better support from these cards than you’ll find from a bigger bank. That said, if you're on the hunt for a big welcome offer or unique bells and whistles, you might want to explore other options.
