Huntington® Secured Credit Card
Helps build credit. Earns cash back.
The Huntington® Secured Credit Card helps build credit, whether you’re starting out or building it back. Plus, you’ll get unlimited 1% cash back on every purchase and there’s no annual fee†.
To apply for a Huntington credit card, you must be a Huntington consumer checking, savings or Money Market account customer. Get started by opening a checking or savings account online today.
The Huntington Secured Credit Card comes with features like these:
Work on your credit score, earn cash back, and get a lot more.
How the Secured Credit Card Works
Help jump-start your credit score:
Make a Refundable Deposit
Deposit a minimum of $250, which will equal your credit limit for as long as you maintain your Secured Credit Card.
Use your new Secured Credit Card
It works just like any other credit card. Make everyday purchases and earn 1% cash back. Be sure to make your monthly payments on time and not go over your credit limit–both positively help you build your credit score. Your Secured Credit Card activity will be reported to the three main credit bureaus–Experian, Equifax, and TransUnion.
Upgrade to the Huntington Cashback Credit Card
After seven months, we will start evaluating your account to let you know if you are eligible to upgrade to a Huntington Cashback Credit Card.
Get your deposit back
Once you are upgraded, we will automatically transfer any balance to your Huntington Cashback Credit Card and return your full deposit. There is no need to pay off your balance.
Related Resources
When used responsibly, secured credit cards can help you build credit. Learn tips for establishing or rebuilding credit with a secured card and understand how long it may take to improve your credit score.
A secured credit card can help establish or rebuild credit. If you have low or no credit, learn how a secured card works and if one could be right for you.
Huntington® Secured Credit Card FAQs
Answer: A secured credit card is a type of credit card that requires a one-time, refundable security deposit from the cardholder. The deposit is used as collateral, which assures the credit card issuer that you can pay your bill when it’s due. The activity on your secured credit card is also reported to the three main credit bureaus (Experian, Equifax, and TransUnion). That way, when you practice credit-building habits, you may help strengthen your credit score over time.
Answer: As mentioned, to open a secured credit card, you must make a deposit that will equal your credit limit. Once your deposit is made, you can use your secured credit card just as you would a traditional unsecured credit card—make purchases almost anywhere and make payments toward your credit card balance each month. After seven months, we’ll let you know if you’re eligible to upgrade to the Huntington® Cashback Credit Card. Once you upgrade to the new card or close your Secured Credit Card and pay off your balance, you'll get your deposit back.
Answer: Both secured and unsecured credit cards function in the same way—receive a set credit limit, use your card to complete purchases, and make payments on the card each month. Both have interest rates, so if you carry a balance on your card month to month, you’ll be charged interest, increasing the amount of money you owe to your credit card issuer.
Unsecured credit cards don’t require a deposit to open an account, meaning the credit card issuer is assuming a higher level of risk and often won’t be reimbursed for missed payments. For this reason, unsecured credit cards are harder to qualify for. Unsecured credit cards also tend to come with more attractive benefits, like rewards, cash back, lower fees, and lower interest rates.
Answer: Yes, secured credit cards could help improve your credit score when used responsibly and when credit card issuers report your secured credit card activity to the three main credit bureaus (Experian, Equifax, and TransUnion).
Answer: No, the Huntington Secured Credit Card does not have any maintenance fees.
Answer: With the Huntington Secured Credit Card, you have access to a variety of Mastercard benefits, including:
- Mastercard ID Theft Protection™: Stay secure with 24/7 access to a variety of identity theft resolution services year-roundҰ.
- Zero Liability‡: In the event of any unauthorized purchases, you will not be held responsible as the cardholder.
- Mastercard Airport Concierge™: Get 15% savings on Airport Meet and Greet services worldwide with a personal assistant to escort you through the airport 24/7Ω.
Answer: Your credit limit ranges from $250-$2,500, but the exact amount depends on the deposit you make to open the Huntington Secured Credit Card. For example, if you choose to deposit $500, your credit limit will equal $500.
Answer: Yes. Applying for the Huntington Secured Credit Card online is quick, easy, and secure.
Apply Online in Five Steps:
- Navigate to the Huntington Secured Credit Card application
- Enter your profile information
- Complete your account usage details
- Make your one-time, refundable deposit
- Review your account opening documents
Answer: You earn cash back for all purchases made on your card. You'll earn 1% cash back rewards for every $1.00 in net purchases (purchases less returns) on your Huntington Secured Credit Card.
Answer: As the account holder, you can log into huntington.com to review your credit card account and redeem cashback rewards. In addition, you can call HNB customer service (800) 340-4165 24 hours a day, 7 days a week. The minimum redemption level for cashback rewards is currently $10, but is subject to change. Cash back redemptions for a deposit into any Huntington or other financial institution checking or savings account are generated as an ACH deposit to the designated account typically within three business days of the redemption request. A request to redeem cashback rewards for a statement credit will be applied to your Huntington Secured Credit Card account within 2 business days of the redemption request. The credit will be reflected on your next or the following billing statement. Statement credits are not a payment. Please remember to submit your normal monthly payment before your next due date.
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†Secured Card Terms and Conditions, Secured Card Rewards Terms and Conditions
¶We must receive your required minimum payment by the day after the due date listed on your monthly billing statement in order to avoid a late charge. Regular payment cutoff times apply. Cutoff times vary by payment channel (via mail, in-branch, telephone, and internet), but will in no event be before 5p.m. Eastern Time.
§Check your FICO credit score online free of charge. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
ҰCertain terms, conditions and exclusions apply. Cardholders need to register for this service. This service is provided by Iris® Powered by Generali. Please see your Guide to Benefits for details or call 1-800-MASTERCARD.
‡Certain terms, conditions and exclusions apply. To learn more about Zero Liability, visit mastercard.com/zeroliability. Contact your issuing financial institution for complete coverage terms and conditions or call 1-800-MASTERCARD for assistance. Applicable to U.S. cardholders only. Valid for Huntington Mastercard
ΩThis benefit may be subject to change without prior notice. Please call 1-800-MASTERCARD for the latest benefit information.
Late Fee Grace® is a registered service mark of Huntington Bancshares Incorporated.
Mastercard and Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.