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, with education and resources to help you work on your credit score.

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.

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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 tips to 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.

Contactless Payments

Cards can be used for contactless transactions at enabled terminals.

Digital Wallet Access

Our cards are compatible with most digital wallets.

Card Lock

Customers can lock and unlock their credit cards through the mobile app and online banking.

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 24/7.

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:

  1. Navigate to the Huntington Secured Credit Card application
  2. Enter your profile information
  3. Complete your account usage details
  4. Make your one-time, refundable deposit
  5. 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: 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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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 Contact your issuing financial institution for complete coverage terms and conditions or call 1-800-MASTERCARD for assistance.

This 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.