Huntington Cashback Credit Card: A $0 annual fee card with unlimited 1.5% cashback and few reward redemption options

Recommends Huntington CashBack CC Review

Why we like this card: With the Huntington® Cashback Credit Card, customers can receive unlimited 1.5% back on their eligible purchases while paying no annual or foreign transaction fees.


  • Simple rewards structure
  • 0% intro APR period on balance transfers
  • No annual or foreign transaction fees


  • No welcome bonus
  • Limited redemption options

Huntington Cashback Credit Card: Overview


  • Intro: 0% APR on balance transfers for the first 12 billing cycles
  • Purchase: 17.24%–29.24% variable 
  • Balance transfer: 117.24%–29.24% variable, plus $10.00 or 3% of the amount of each balance transfer, whichever is greater
  • Cash advance: 29.24% variable, plus $10.00 or 3% of the amount of each cash advance, whichever is greater
  • Penalty: up to $40 for late payments

Annual fee: $0

Foreign transaction fee: None

The Huntington Cashback Credit Card is a $0 annual fee card providing unlimited 1.5% cash back rewards on all eligible purchases.

Though the Huntington® Cashback Credit Card offers few perks, cardholders can use this card to consolidate debt by taking advantage of the card’s introductory 0% APR for the first 12 billing cycles following account opening on any balance transfers made within the first 90 days of account opening. After that, your APR will be 17.24%–29.24% based on your creditworthiness. This APR varies with the market, based on the Prime Rate.

Huntington Cashback Credit Card: Rewards

Cardholders earn 1.5% cashback on every $1 worth of purchases. That’s 1.5 cents for every $1 you spend using this card. 

Does Huntington Cashback Credit Card offer a new customer bonus?

The Huntington® Cashback Credit Card does not currently offer customers a welcome bonus.

How to redeem Huntington Cashback Credit Card rewards 

There’s only one way to redeem rewards with the Huntington® Cashback Credit Card: receiving (you probably guessed it) cash back. So, if you’re a cardholder who wants to transfer their rewards to different travel partners or maximize your points with different redemption methods, there are better card options.

Get cashback

To redeem Huntington® Cashback Credit Card rewards, you can receive a statement credit or have money directly deposited into your checking or savings account, typically within three days of your request. 

If you receive a statement credit, there are two options for redemption: automatic or manual. 

With automatic redemption, your rewards are redeemed for a statement credit every billing cycle. If you go the other route and redeem manually, you can choose when to redeem, but you’ll need to accumulate at least $25 worth of rewards.

Additional benefits

  • Grace period on late fees. If you miss a payment, you receive one additional day to make your minimum payment and avoid the late fee.
  • Free credit score. Every month, you can access your FICO score for free.

Is the Huntington Cashback Credit Card right for you?

The Huntington® Cashback Credit Card is best for cardholders who want a simple cash back card that earns them a flat rate on their spending. 

If you’re not interested in a card with many reward redemption methods and simply want to use your rewards to reduce your credit card balance or earn cash, the Huntington® Cashback Credit Card can help you do both, and you won’t have to pay any annual or foreign transaction fees.

Credit cards similar to Huntington Cashback Credit Card

The Huntington® Cashback Credit Card isn’t the only 1.5% cash back card on the market: Both the Capital One Quicksilver Cash Rewards Credit Card and Chase Freedom Unlimited® cards are flat-rate cash back cards with no annual fee. 

So, how are the Quicksilver and Freedom Unlimited different from the Huntington® Cashback Credit Card? Well, they have different welcome bonuses, redemption options, and 0% intro APR periods.

Capital One Quicksilver vs. Huntington Cashback Credit Card

Unlike the Huntington® Cashback Credit Card, the provides cardholders the upfront benefit of a one-time $200 after spending $500 in the first 3 months of account opening. 

Even though Capital One Quicksilver Cash Rewards Credit Card cardholders earn cash rewards, they can redeem them in various ways, like buying merchandise and gift cards, receiving a statement credit, paying for purchases on, or booking hotel stays or flights on Capital One Travel. So, if you’re looking for a cashback card option that enables you to use your rewards more widely, the Quicksilver is a good bet.

The Quicksilver card could also be a better option for cardholders planning to purchase a big-ticket item, like an exercise bike or furniture, and need longer to pay it off, as cardholders get a 0% intro APR for 15 months on purchases and balance transfers (19.99%–29.99% variable APR after that). 

Chase Freedom Unlimited vs. Huntington Cashback Credit Card

offers a similar 15-month 0% intro APR period on purchases and balance transfers (then 20.49%–29.24% variable APR) to cardholders who want to hold off on paying their expenses without accruing interest. 

Though the Freedom Unlimited provides unlimited 1.5% cash back on all eligible purchases, cardholders also earn a higher rewards rate: 3% cash back on dining (including takeout and eligible delivery service), 3% cash back on drugstore purchases and 5% cash back on travel purchased through Chase Ultimate Rewards. 

Plus, new card members are eligible for a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. 

The Freedom card also offers 5% cash back on combined gas station & grocery store purchases (not including Target or Walmart) on up to $12,000 spent in the first year (whichever occurs first). So that’s an additional 3.5% in cash back rewards on top of the 1.5% cash back rewards earned on each purchase you make with the card.

When you’re ready to redeem your cashback, you can buy gift cards, receive a statement credit, or book travel, so your rewards are more flexible than they are with the Huntington® Cashback Credit Card. 

Frequently asked questions

Is a Huntington cash back credit card worth it?

Depending on what you’re looking for in a card, the Huntington® Cashback Credit Card, could be worth it: There’s a $0 annual fee and unlimited 1.5% cashback, but there are limited redemption options for rewards and no welcome bonus. 

How do I redeem my Huntington credit card cash back?

You can redeem your cash back for a statement credit or direct deposit into your bank account.

Please note that card details are accurate as of the publish date, but are subject to change at any time at the discretion of the issuer. Please contact the card issuer to verify rates, fees, and benefits before applying.

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