Secured Credit Card

Build credit with confidence and earn cash back

The Huntington Secured Credit Card is a simple way to build or rebuild credit—with care, not complexity. You’ll earn 1% cash back on every purchase and get tools that help you build your credit history1.

Apply for Secured Card

What you get with the Huntington Secured Credit Card

1% Unlimited Cash Back1

Cash back for everyday spending

Earn 1% cash back on every purchase—no hoops, no limits, just a little more back every time you use your card.

Flexible Cash Back Redemption

You earned it. You decide.

Use your cash back your way. Choose from automatic monthly statement credits, or redeem manually.

Built-In Financial Guidance

Tools to support your financial growth

Access tools, tips and resources that help foster lifelong healthy financial habits.

Mobile Payments

Use your card your way

Add your Huntington credit card to Apple Pay®, Google Wallet™, or Samsung Pay for fast, secure, contactless payments. Whether you’re tapping in-store or checking out online, it’s one more way we help you move through your day—your way.

Add Your Card

How does the Secured Credit Card work?

Step 1:

Make a refundable deposit

Start with a deposit of at least $250, up to $2,500. That amount becomes your credit limit and stays in place while you use your Secured Credit Card.

Step 2:

Use your new secured credit card like any other credit card

Make everyday purchases and enjoy 1% unlimited cash back. Be sure to make monthly payments on time and stay within your credit limit—both can help you build your credit. We report your secured credit card to all three major credit bureaus: Experian, Equifax and TransUnion.

Step 3:

We’ll check if you’re ready to upgrade

After seven months, we’ll start reviewing your account periodically to see if you’re eligible to upgrade to the Huntington Cashback Credit Card.

Step 4:

Get your deposit back

If you qualify for an upgrade, we’ll return your deposit and transfer your balance to your new Huntington Cashback Credit Card—no extra steps needed.

Credit card features that keep you in control

    Huntington Mobile Banking App

    Mobile banking, made thoughtful

    Manage your money on the go—check balances, pay bills, and transfer funds, all from your phone.

    Google Play StoreApple Store

    Build your financial know-how

    Do secured credit cards help build credit?

    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.

    Learn More

    What is a secured credit card?

    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.

    Learn More

    Secured Credit Card FAQs

    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.

    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.

    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.

    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).

    No, the Huntington Secured Credit Card does not have any maintenance fees.

    With Huntington credit cards, 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-round4.
    • Zero Liability5: 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 24/76.

    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.

    Yes. Applying for the Huntington Secured Credit Card online is quick, easy, and secure.

    Apply Online in Five Steps:

    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.

    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.

    DISCLOSURES

    1Secured Card Terms and Conditions, Secured Card Rewards Terms and Conditions.


    2We 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.


    3 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.


    4 Certain 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.


    5 Transactions are protected by federal law and Mastercard’s Zero Liability. Transactions you did not authorize should be reported to us promptly through our dispute process. We ask that you assist us in our investigation as needed. Certain limitations apply. See mastercard.com/zeroliability for complete details.


    6 This benefit may be subject to change without prior notice. Please call 1-800-MASTERCARD for the latest benefit information.


    Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay® is a trademarks of Apple Inc.


    The Google logo, Google Wallet and Android are trademarks of Google LLC.


    Samsung Pay is a trademark of Samsung Electronics Co., Ltd. Other company and product names mentioned may be trademarks of their respective owners. Screen images are simulated; actual appearance may vary. Samsung Pay is available on select Samsung devices.


    Mastercard and Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.