The Huntington Cashback credit card is thus a flexible financial instrument that provides customers with a way of making purchases with a high level of convenience while offering them opportunity to earn cash back as well.
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This card comes with a standard 1% cash back rate and Gold membership rewards. 5% cash back with no rotating categories and effectively no annual limit on rewards earned; this credit card is best for those who do not want to keep track of which spending they should optimize for bonuses.
Having no annual fees, no maximum limit on the amount of cash back that consumers can earn and extra benefits from being associated with Mastercard, this credit card is created to fulfill the needs of the consumers in full. Whether you are doing your shopping directly on the website of the merchant, or physically going to the store, you are sure to benefit from the Huntington Cashback credit card.
Key information about the Cashback credit card Huntington
The Huntington Cashback credit card is a flexible product that is presented with certain benefits as follows: 5% without limit cash back offer for all purchases, no annual fees, and foreign transactions fees, therefore, it suits both local consumers and frequent travelers.
It is affiliated to the World Elite Mastercard program which offers cardholders invitation-only services such as twenty-four-hour personal concierge services. In this case, since there are no additional spending categories or limits, the card’s reward scheme is incredibly simple and there are no additional fees to worry about.
How does the annual fee work?
The other important highlight of the Huntington Cashback credit card is the fact that it does not charge the card holder any fee for using the card in a year. This means that you are able to make use of the card without the feeling of an annual fee dig into your overall reward. The fact that it has no annual fee is one of the strengths since cash back is a big bonus that does not require any extra charges.
How is the credit limit determined?
The credit limit deemed suitable for availing the Huntington Cashback credit card depends on your credit score, income, and other factors. During the application process for the card, Huntington evaluates the creditworthiness of an applicant to establish a limit suited to the client. The ability to negotiate is another benefit of this method of lending; the credit limit will fit your needs and the amount will not be exorbitant.
Credit card benefits
- Unlimited cash back: Earn 1.5% cash back on all purchases, with no limits or categories to manage.
- No annual fee: Keep more of your rewards with no annual fee.
- No foreign transaction fees: Make purchases abroad without worrying about extra costs.
- World Elite Mastercard perks: Enjoy access to 24/7 concierge services, exclusive offers, and more.
- Late fee grace®: If you miss a payment, you get an extra day to pay your minimum payment without a late fee.
- Digital wallet access: The card is compatible with most digital wallets, making payments easier and more secure.
Unlimited cash back
The second factor makes the Huntington Cashback credit card unique and is the unlimited cash back deal. In contrast with many other credit cards that complicate the accumulating of rewards or set a lid to how much one can earn, the Huntington Cashback credit card provides a very basic, but efficient 1%. Cash back for every purchase that a client makes which is 5% cash back.
Disadvantages
- No introductory APR: The card does not offer an introductory APR period for purchases or balance transfers, which might be a downside for those looking to save on interest.
- Limited reward rate: While 1.5% cash back is competitive, other cards may offer higher rewards rates in specific categories.
- No sign-up bonus: Unlike some other cards, the Huntington Cashback credit card does not offer a sign-up bonus.
No introductory APR
There are, however, some drawbacks of the Huntington Cashback credit card, such as no 0% introductory APR being provided. Transfer fees may apply when you transfer a high balance from another card within the first 120 days of opening the account, and 0 percent introductory rates are available on purchases and balance transfers for the first few months of membership.
Who can apply for this card?
The Huntington Cashback credit card is available to individuals who meet certain criteria. To apply for this card, you’ll need to:
- Be at least 18 years old (21 if you are applying online).
- Have a valid Social Security Number.
- Reside in a state where Huntington offers banking services.
- Have a good to excellent credit score.
- Provide proof of income.
How to apply for the Cashback credit card Huntington
Applying online
To make an application for Huntington Cashback credit card, there is a necessity to go to the Homepage of Huntington Bank. Upon arriving, go to the credit card offering and choose Huntington Cashback credit card among all the available offers.
On the right corner of this page, there is a button called “apply now” once you click on it, you will be redirected to the online application form. Before sitting to take the application you should ensure that you are in a position to fill all the information that is required of you, this includes your personal information as well as that of your financial status.
The examples of the information that will be required for completion of the application are a full name, present address, SSN and income. The form will also require your employment information as well as other financial information that the Huntington Bank will use to evaluate your credit worthiness.
When filling your details ensure that you complete all the fields well, especially the spaces meant for personal details and make sure that you go through your details very carefully before submitting the application in order to prevent any form of hold up.
Once you have filled the application form and sent it back, Huntington will consider your details to approve or otherwise your application to the card. The response time may differ in terms of time but you should get a response within an abbreviated time. If the request is granted, then a Huntington Cashback credit card will be removed to your postal address within few business days such that you can use the card in as early as possible.
