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, with education and resources to help you work on your credit score.
To apply for a Huntington credit card, you must be a Huntington checkingor savingscustomer. Get started by opening a checkingor savingsaccount online today.
Huntington® Secured Card
Helps build credit. Earns cash back.
How the Secured Credit Card Works
Help jump-start your credit score:
Make a Deposit
Deposit a minimum of $250, which will equal your credit limit.
Wait for Review
After seven months, we’ll let you know if you’re eligible to upgrade to the Huntington® Cashback Credit Card.
Get Your Deposit Back
Once you upgrade to the new card or close your Secured Credit Card and pay off your balance, you'll get your deposit back.
The Huntington Secured Credit Card comes with features like these:
Work on your credit score, earn cash back, and get a lot more.
Late Fee Grace®
If you miss a payment, you get an extra day to pay your minimum payment without receiving a late fee.¶
Free FICO® Credit Score
Check your credit score every month, free of charge.§
Education and Resources
Access tools and tipsto support lifelong healthy financial habits.
Unlimited Cash Back
There is no cap to how much you can earn, with cash back on every purchase.
No Penalty Pricing
Your APR will not increase just because you go over your credit line, miss payments, or incur other delinquency.†
Cards can be used for contactless transactions at enabled terminals.
Digital Wallet Access
Our cards are compatible with most digital wallets.
Customers can lock and unlock their credit cards through the mobile app and online banking.
Huntington® Secured Credit Card FAQs
What is a secured credit card?
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.
How does a secured credit card work?
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.
What's the difference between a secured credit card and an unsecured credit card?
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.
Do secured credit cards help build credit?
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).
Does the Huntington Secured Credit Card have maintenance fees?
Answer: No, the Huntington Secured Credit Card does not have any maintenance fees.
What benefits do I get from Mastercard?
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.
What is my credit limit with a Huntington Secured Credit Card?
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.
Can I apply for a Huntington Secured Credit Card online?
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
How do I earn cash back rewards?
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.
How do I redeem cash back rewards?
Answer: If you are enrolled in the Automatic redemption option, your rewards are automatically redeemed for a statement credit at the end of each billing cycle. It may take us up to one complete billing cycle to implement your authorization or to cancel any prior authorization you have provided to us. Statement credits are not a payment. Please remember to submit your normal monthly payment before your next due date. 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.
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¶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.
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.
Late Fee Grace® is a registered service mark of Huntington Bancshares Incorporated.
Mastercard and Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.
The information provided in the article is about the Huntington® Secured Credit Card, which is designed to help individuals build credit. It offers features such as cash back rewards, late fee grace, free FICO® credit score monitoring, education and resources for financial habits, unlimited cash back, no penalty pricing, contactless payments, digital wallet access, and card lock. The card works by requiring a one-time, refundable security deposit that becomes the credit limit. After seven months, customers may be eligible to upgrade to the Huntington® Cashback Credit Card and receive their deposit back. The Huntington Secured Credit Card reports activity to the three main credit bureaus (Experian, Equifax, and TransUnion), which can help strengthen credit scores over time. Secured credit cards like the Huntington Secured Credit Card can be beneficial for individuals who are starting out or rebuilding their credit. They require a deposit as collateral and are often easier to qualify for compared to unsecured credit cards. Secured credit cards can help improve credit scores when used responsibly and when the credit card issuer reports activity to the credit bureaus. The Huntington Secured Credit Card does not have any maintenance fees and offers various Mastercard benefits, including Mastercard ID Theft Protection™, Zero Liability, and Mastercard Airport Concierge™. The credit limit for the Huntington Secured Credit Card ranges from $250 to $2,500, depending on the deposit made. The application for the Huntington Secured Credit Card can be completed online. Cash back rewards earned on the card can be redeemed for a statement credit or deposited into a Huntington or other financial institution checking or savings account. For more information or assistance, customers can contact Huntington through their automated assistant, by phone, or by visiting a branch.
Please note that the information provided above is based on search results and does not include a list of sources or a bibliography.