Choose Lower Interest Rate Credit Card

Our lower APR Voice Credit Card® offers a lower interest rate instead of rewards. That means you can pay less with Voice℠.
Low Rates Credit Card

Lower Interest Credit Card Benefits

Choosing a lower interest credit card means that you can help pay off balances faster. The lower APR helps make your monthly statements lower by paying less in interest. This can be especially helpful if you sometimes carry a balance. Our lower interest credit card even has no penalty rate, so you keep that same low APR if you make a late payment. We also offer Late Fee Grace® and provide an additional 24 hours to make a missed payment.

Save money on lower balances and reach your financial goals sooner with a Huntington lower rate credit card.

Huntington Credit Card Benefits

These benefits come standard with Huntington Credit Cards.

Late Fee Grace®

If you miss a payment, you get an extra day to pay your minimum payment without receiving a late fee.

No foreign fees

While other banks may charge up to an additional 3% on purchases made outside the United States, Voice cardholders will not have that extra expense.

No annual fee

There’s no annual fee and no catch either.

Card Lock

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

Free FICO® Credit Score

Check your credit score every month, free of charge.§

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.


Authorized Users

Add authorized users to simplify your finances.

What Does Annual Percentage Rate Mean?

Annual Percentage Rate, or APR, determines the cost of credit for a year and is the interest rate you pay on a loan as it relates to credit cards, mortgages, auto loans, etc. APR is commonly used to compare individual products like a credit card from various lenders before you make your decision. APR can be fixed or variable. Most credit card issuers base their variable rate on the U.S. Prime Rate with an additional margin applied. There are also various types of APRs for credit cards like purchase APR, cash advance APR, or balance transfer APR. Learn more about what APR is and what it means to you.

What is a FICO score?

FICO is a type of credit score and is used to evaluate your creditworthiness. This credit information is created and provided by Fair Isaac Corporation. Your FICO score is calculated based on 5 main elements: payment history, amount of debt & credit utilization, length of credit history, type of credit, and new credit. Your score and how these factors work together are important for building credit. Learn more about credit scores and how they impact you.

Woman with card at laptop

Contact Us

We're here for you—online, by phone, or in a branch.

Automated Assistant

Quick answers when you need them

Speak with Us

We are here to help

Find a Branch

Find your nearest Huntington Branch

Credit Card Terms and Conditions

The Voice Credit Card® lets you choose between the option to earn cash back or get a lower purchase APR instead of rewards. The lower rate card does not earn rewards.

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, 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.

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

Late Fee Grace® and Voice Credit Card® are registered service marks of Huntington Bancshares Incorporated. Voice℠ is a service mark of Huntington Bancshares Incorporated.