The credit card is through a third party. If you have any problems with the card Huntington wont help you, they direct you to FIA's customer service. If you spend $2,500 that doesn't include recurring payments you are eligible to receive a check for $25 bucks. If you make payment through Huntington's online banking it take 2 days to process.

One point for every dollar spent is a pretty good rewards program for my likes. I've cashed in points so far for cash. Huntington's card is a great deal with no annual fee and a low introductory apr.