Lower Interest Rate Credit Card

A simpler way to manage your credit card balance

With a lower APR, no annual fee3, and built-in support from Huntington, our lower APR Voice Credit Card® helps you save on interest and pay off balances faster1.

Apply for Low Rate Card

Why choose a low APR credit card?

Choosing a lower APR means you’ll pay less in interest, which can help lower your monthly statements and make your balance more manageable. If you carry a credit card balance now and then, this card gives you more flexibility—without added fees. At Huntington, we believe financial success starts with the right tools and the right support, and we’re here to help you move forward with both.

Features that help you stay in control

    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

    Build your financial know-how

    How to use a credit card responsibly

    Credit cards are great financial tools but can feel overwhelming if you don't know the best way to use them. Learn tips to use a credit card responsibly here.

    Learn More

    How to help build credit

    Having good credit can be the key to obtaining a mortgage, financing a car, or even getting a job. Here are some tips on how to build good credit.

    Learn More

    Lower rate credit card FAQs

    A lower interest rate credit card offers a lower annual percentage rate (APR) than typical credit cards. This means you’ll pay less in interest when you carry a balance, helping you manage your monthly payments more easily. It’s a practical option if you want to reduce interest costs and stay in control of your finances.

    This card is a great fit for people who frequently carry a credit card balance month to month. Choosing a lower interest rate can reduce monthly credit card payments, helping you pay off balances faster.

    Yes. Applying for the lower APR Voice Credit Card online is quick, easy, and secure. Navigate to the Voice Credit Card application and follow the online instructions.

    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-round5.
    • Zero Liability6: 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 24/77.

    Annual Percentage Rate (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. Learn more about APR, how it’s calculated, and the types of APRs.

    FICO is a type of credit score created by the Fair Isaac Corporation and is used to evaluate your creditworthiness. Your FICO score is calculated based on five 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.

    DISCLOSURES

    1The lower rate Voice Credit Card does not earn rewards.


    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 Credit Card Terms and Conditions.


    4 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.


    5 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.


    6 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.


    7 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.