Report Abuse
5 Star Rating
Verified CustomerI try to pay my balance off first thing. I don't like owing anyone, and with this bank card, I can improve my credit by making sure it's paid on time.
Product: Huntington Bank Credit Cards
Comment
Ad Disclosure
Please find below credit cards offered by Huntington Bank.
Compare Huntington Bank Credit Cards
Updating Results
Secured Credit CardMin Deposit of $250
One-Time Fees$0
Regular APR26.49% (V)
Secured Card
Min Deposit of $250
One-Time Fees
$0
Regular APR
26.49% (V)
annual fee
$0
monthly fee
$0
rewards rate
1% Cash Back
minimum credit
Bad
WalletHub's Take
Pros
- No membership fees
- No foreign fee
- Qualify with bad credit
Cons
- High regular APR
- Requires security deposit
Read our editor's full Huntington® Secured Credit Card review.
Rewards Details
- Earn unlimited 1% cash back on every purchase, with no reward cap.
Additional Info
- Deposit a minimum of $250, which will equal your credit limit for as long as you maintain your Secured Credit Card.
- After seven months, your account will be evaluated to determine eligibility for an upgrade to a Huntington Cashback Credit Card.
- Once the account is upgraded, any balance will automatically be transferred to the Huntington Cashback Credit Card, and the full deposit will be returned. There is no need to pay off the balance.
Purchase Intro APRNot Offered
Transfer Intro APR0% for 12 months|Transfer Fee: 3% (min $10)
Regular APR15.49% - 27.49% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
0% for 12 months|Transfer Fee: 3% (min $10)
Regular APR
15.49% - 27.49% (V)
annual fee
$0
rewards rate
1 - 3 points / $1
minimum credit
Good
WalletHub's Take
Pros
- No membership fees
- 0% intro APR on balance transfers
- High rewards rate
- No foreign fee
Cons
- Spending caps on rewards
- No initial rewards bonus
- No intro APR on purchases
- Balance transfer fee
Read our editor's full Ohio State University Credit Card review.
Rewards Details
- Earn 1 point per dollar on all purchases.
- Earn 3X points up to $2,000 in spend or 6,000 points per quarter for the ways you spend most. Pick one of 10 categories (gas, travel, restaurants, grocery stores and more) and change it every quarter to fit your needs.
- Redeem points for cash, gift cards, OSU merchandise and more.
Additional Info
- 0% Introductory APR for 12 months on balance transfers made within 90 days of account opening.
- No Penalty Pricing- Your APR will not increase just because you go over your credit line, miss payments, or incur other delinquency.
Purchase Intro APRNot Offered
Transfer Intro APR0% for 12 months|Transfer Fee: 3% (min $10)
Regular APR15.49% - 27.49% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
0% for 12 months|Transfer Fee: 3% (min $10)
Regular APR
15.49% - 27.49% (V)
annual fee
$0
rewards rate
1.5% Cash Back
minimum credit
Good
WalletHub's Take
Pros
- No membership fees
- 0% intro APR on balance transfers
- No foreign fee
Cons
- No initial rewards bonus
- No intro APR on purchases
- Balance transfer fee
- Requires good/excellent credit
Read our editor's full Huntington® Cashback Credit Card review.
Rewards Details
- Earn unlimited 1.5% cash back on every purchase, with no reward cap.
Want more credit card options?WalletHub makes it easy to compare credit card across many companies.
Huntington Bank Credit Card Reviews
2.6
105 reviews
What's Your Rating?
Most Recent
Most RecentMost Useful
Review sort
Report Abuse
1 Star Rating
I'm a small business located in Howell, New Jersey. I sold a bike to a customer who used a Huntington bank credit card. The bicycle, which was worth $1000, was shipped with $1000 worth of insurance. The customer said the bike was not exactly what he expected, so the bank refunded his money and let him keep my bicycle, which I could sell 10 times over. I've tried to contact them so many times because I'm without a bike and without the money. They will not help me because I don't have a Huntington account, but they had no problem jumping into my account and taking my money. Whoever worked in that department did not care and obviously didn’t do their job properly. They could easily put small businesses out of business with their poor investigations of situations. So disappointing.
Product: Huntington Bank Credit Cards
Comment
Report Abuse
1 Star Rating
Opened a secured credit card. An example of what happened would be... You open a secured account with $1,000. Your credit limit is $1,000. Your cash advance limit is only $100. That's messed up. Closed the account immediately and opened one at Peoples Bank.
Product: Huntington Bank Credit Cards
Comment
Report Abuse
1 Star Rating
Received a letter and new Huntington debit card. The letter indicated that I had opened a business checking account online. I never applied for any type of card from The Huntington National Bank. The letter stated that I needed to make a deposit, download their app, and set up overdraft protection. I then proceeded to call The Huntington National Bank at 800-480-2265, and informed them that I had received an unwanted debit card with my name on it. I was given a reference number and informed that my complaint would be forwarded to their fraud department. Two months later, I received a statement which indicated $3.00 was credited to my account via a Zelle transaction. Here's where it gets more interesting. I immediately called The Huntington National Bank fraud line at 800-480-2265. I reached a customer service representative. Several times, I requested to speak with someone from the fraud department, but the customer service representative did not adhere to each request. The representative then stated that someone from the back office would contact me. Just before hanging up, I asked the representative, "Do you at least have my phone number to contact me?" The answer was no. Now I'm thinking it is best to contact my local FBI office to report potential, if not blatant, fraud.
Product: Huntington Bank Credit Cards
Comment
Report Abuse
1 Star Rating
The customer service for this bank is very terrible; it can take 30 to 40 minutes before you can talk to anyone in their customer service, and when you finally get to talk to them, they are very rude. I have a credit card which I pay off in full every month, and for no reason, every transaction I made on the card since last week has been declined, and no one was able to tell me what the problem is after wasting about 40 minutes twice trying to get in touch with their customer service. I have a checking, savings, and credit card account with them. I need to close all these accounts as soon as possible. This is a terrible bank. I don't know how they are still in business with all these terrible reviews they have.
Product: Huntington Bank Credit Cards
Comment
Report Abuse
1 Star Rating
Worst customer service and worst customer service experience. Don't bank with them. I am writing this as a customer of over 10 years. It went terribly throughout the years.
Product: Huntington Bank Credit Cards
Comment
Report Abuse
1 Star Rating
I wish I had read the reviews before I obtained this card. I have been with Huntington for over 25 years and trusted them. But I never had a 0% card that did not cover purchases, so I was shocked when, after paying off the balance transfer, I was being charged interest on my balance. The offer was very misleading... And from day one, I have had unpleasant experiences with their customer service representatives—they're very unfriendly and unhelpful. I had an issue immediately because I was told that my 90-day bonus offer would begin from my first charge, not from when I opened the account. That was not true, so I lost 30 days there with no help forthcoming, and I encountered a rude customer service representative. Now this... I will have to apply for another credit card soon after this one, which may result in a drop in my credit rating. My experience with the credit card has turned me off so much from Huntington that I may give up my checking/savings account as well after all this time. Their website is antiquated, too. The customer service has been very unsatisfactory. I will be glad to be rid of it!
Product: Huntington Bank Credit Cards
Comment
Report Abuse
1 Star Rating
6/6/2025. I have been with Huntingdon Bank for more years than I can remember and as of late, I am not satisfied with their services or the lack thereof. To note, now you can't dispute charges on your credit card when it is discovered; instead, let's wait until the card is charged, then you can dispute it, which is not being proactive. There is a low-interest rate on high balances [checking & davings]. I found I make much more in shorter periods by moving my money to a Vanguard Cash Plus account; I will have to move more. I make an immediate payment on my card and pay it off each time, but it won't post until the next week. Why is that? It gives them more time to earn interest on my money.? Before, you could pay the full balance and the pending charges on your credit card; now, you can only pay the balance owed. I like to pay it off, not sit on it. I am just not satisfied and am seeking a new bank. Yes, it is my choice. JS.
Product: Huntington Bank Credit Cards
Comment
Report Abuse
1 Star Rating
Worst. Bank. Ever. Stay away from Huntington Bank. Don’t expect Huntington Bank to deliver on what they promise. Incompetent? Or dishonest?
Product: Huntington Bank Credit Cards
Comment
Report Abuse
1 Star Rating
Their interest is insane. It's the worst credit card I've ever had. I think a 10k balance incurs between $300 and $400 a month in interest, and I have an excellent score, so God knows what it would be if you have only a fair or good score. Avoid at all costs; it's a trap. You might as well just ask the mob, as there are fewer fees.
Product: Huntington Bank Credit Cards
Comment
Review Huntington Bank Credit Cards
Huntington Bank Credit Card Q&A
Get answers to your questions about Huntington Bank Credit Cards below. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
Most Popular
- Most Popular
- Most Upvotes
Questions sort
0
UpvotesWhat are the Huntington Bank credit score requirements?
Reply
Chip Lupo
Huntington Bank's credit score requirement is 700 or higher for most cards. One exception is the Huntington® Secured Credit Card because it requires a credit score of at least 300 for approval, which is considered bad credit.
Keep in mind that it's best to wait to apply for a given card until you meet the credit score requirement. You can check your credit score for free on WalletHub.
Credit Score Recommended by Huntington Bank Card
- Huntington® Secured Credit Card: 300+ (Bad credit)
- Ohio State University Credit Card: 700+ (Good credit)
- Huntington® Cashback Credit Card: 700+ (Good credit)
Note that while your credit score is very important, plenty of other things will impact your chances of being approved for a Huntington Bank credit card. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and employment status.
Finally, keep in mind that lenders might use a different score when deciding whether to approve you for a financial product and approval is never guaranteed.
3
UpvotesHow do I Apply for a TCF Bank credit card?
Reply
Maria Adams
You can't apply for a TCF Bank credit card as their cards were discontinued a while back. TCF Bank is now Huntington Bank and you can apply for Huntington Bank credit cards either online or at a branch. Alternatively, you can apply over the phone by calling (800) 340-4165, only if you have a savings or checking account with them.
How to Apply for a Huntington Bank Credit Card
- Online: Visit the Huntington Bank credit card...
0
UpvotesWhat interest rate do Huntington Bank credit cards offer?
Reply
Chip Lupo
Huntington Bank credit card interest rates can be as low as 0% introductory APR for as long as 12 months on balance transfers, with a 3% (min $10) balance transfer fee on the Huntington® Cashback Credit Card. Regular, ongoing Huntington Bank credit card interest rates can be as low as 15.49% (V) or as high as 27.49% (V), depending on the card and the applicant's credit standing.
Huntington Bank Credit Card Interest Rates by Card
- Huntington® Cashback Credit Card: 15.49% to 27.49% (V) (an introductory APR...
0
UpvotesHow can I log in to my Huntington Bank credit card account?
Reply
Chip Lupo
To log in to your Huntington Bank credit card account, go to the login page on the Huntington Bank website or mobile app and enter your username and password in the appropriate fields. Then, click the “Log In” to access your online account. If you don't already have an account, you will need to start by clicking “Enroll Now” in order to set up a username and password.
How to Log in to a Huntington...
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertisers compensate WalletHub when you click on a link, or your application is approved, or your account is opened. Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub, we try to list as many credit card offers as possible and currently have more than 1,500 offers, but we do not list all available offers or financial service companies.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best credit card picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any issuer, as our editors follow a strict editorial policy.
WalletHub is not a financial advisor. Our goal is to provide you with top-notch content, data, and tools. You are responsible for deciding what financial products and providers are best for your needs.
Irrespective of whether an institution or professional is a paid advertiser, the presence of information on WalletHub does not constitute a referral or endorsement of the institution or professional by us or vice versa.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.