2017 Comparison Review: Comerica Bank Credit Cards vs. KeyBank Credit Cards vs. Huntington Credit Cards


Does it seem like every bank offers a credit card these days? That’s because they do! Most banks through the United States offer at least one, if not a suite of credit cards.

This can make it overwhelming for consumers trying to choose a credit card. Should you go with a credit card that your local bank offers for convenience, like a KeyBank credit card, or try a credit card from an issuer like Discover? These are questions that consumers often find themselves asking.

There are Comerica Bank credit cards, Huntington credit card options, KeyBank credit cards, and more.

Huntington Credit Card KeyBank

Image source: Turner Construction Company

With so many banks offering credit cards of their own, it is important to do a thorough review of bank-issued credit cards before making a final decision. The trick is to find a credit card that meets your needs, regardless of what bank it comes from.

This isn’t always easy to do, as consumers find it difficult to choose between the Key2More rewards MasterCard, Comerica Bank credit card and others. It boils down to what is important to you.

Do you hate paying annual fees? Do you want a credit card with an introductory APR offer? How important are cash back rewards to you?

These are questions to ask yourself when you are going through the process of choosing a credit card. It is important to do research, but we all know how long it takes to review the Comerica Visa, Key2More rewards card, and others.

That is why AdvisoryHQ does all the tough research for you. By considering the features that six of these credit cards offer, you can decide which are the best credit cards for your wallet: KeyBank credit cards, Comerica credit cards, or Huntington credit cards.

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Why Open a Bank Credit Card?

There are so many different reasons why it is a good idea to consider bank credit cards like a Comerica credit card or Key2More rewards MasterCard.

Bank credit cards like the Comerica Visa or KeyBank rewards allow you to partake in the world of E-commerce. This helps you find better deals that aren’t available in local stores. Everyone likes saving money, so this is a bonus.

Huntington credit cards and cards from banks like the Key2More rewards card from KeyBank also provide for more convenience. It is easy to pay your bills, and it is a time saver to have all your accounts on one page. Instead of pulling up a Discover page for your credit card bill and KeyBank account for your bank statements, with a KeyBank credit card, you can access it all in one place.

Comerica credit cards, KeyBank credit cards, and the like also allow you to earn cash back rewards. These are rewards on purchases that you make regardless, which is a bonus.

Overall, opening up Comerica credit cards, KeyBank credit cards, or Huntington credit cards definitely allow you to take advantage of many benefits.



AdvisoryHQ’s Comparison Review List

The list below is sorted alphabetically:

  • Comerica Bank Cash Rewards American Express® Card
  • Comerica Bank Visa® Bonus Rewards PLUS Card​
  • Huntington Voice Credit Card® 3X REWARDS
  • Huntington Voice Credit Card® Lower Rates
  • KeyBank Key2More Rewards® Credit Card
  • KeyBank Latitude℠ Credit Card

Comparison Table: Comerica Credit Cards vs. KeyBank Credit Cards vs. Huntington Credit Cards

Credit Card Names

Annual Percentage Rate (APR)

Annual Fee

Type of Credit Necessary

Sign-Up Bonus

Comerica Bank Cash Rewards American Express® Card

12.24 – 23.24%

None

Great

$25

Comerica Bank Visa® Bonus Rewards PLUS Card

12.24 – 23.24%

$50

Excellent

$50

Huntington Voice Credit Card® 3X REWARDS

13.24 – 26.24%

None

Good

None

Huntington Voice Credit Card® Lower Rates

10.24 – 23.24%

None

Good

None

KeyBank Key2More Rewards® Credit Card

13.24 – 22.24%

None

Good

10,000 points

KeyBank Latitude℠ Credit Card

10.24 – 20.24%

None

Great

None

Comparison Table: Above list is sorted alphabetically



Comerica Credit Cards vs. KeyBank Credit Cards vs. Huntington Credit Cards

Different banks offer credit cards with certain features. This is something to keep in mind when you are deciding between Comerica credit cards, KeyBank credit cards, or a Huntington credit card.

The first thing to consider when looking at a Comerica Bank credit card or other bank credit card is whether you have an existing relationship with the bank and how you like it.

If you have a Comerica checking account and hate the customer service and online platform, then a Comerica Bank credit card might not be the best option.

Aside from your relationship, when you are doing a review of other Comerica Bank credit cards, and other bank credit cards like Key2More rewards card from KeyBank, you need to consider the following credit card features:

  • Fees
  • APRs & introductory offers
  • Rewards earning
  • Sign-up bonus

When going through this credit card review article, it is important to keep your needs and individual preferences in mind. The Comerica Visa is great for some people, but others fare better with the Key2More rewards MasterCard or a Huntington credit card.

Be sure to look at the fees, APRs, rewards, and sign-up bonuses that come with a KeyBank rewards card, Comerica credit card, and the Huntington cards on our list. Overall, be sure to choose the card that meets with your individual preferences and needs best.

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Fees

In order to generate more profits, credit card companies charge you fees beyond interest. These fees range from annual and late payment fees to balance transfer and foreign transaction fees.

Most fees that you will see with a Huntington credit card or similar card are associated with some action that you take, like using a card internationally or taking a cash advance, but if your card has an annual fee, you will be charged this fee ever year.

When it comes to annual fees, the Comerica Bank Visa® Bonus Rewards PLUS Card is the card to avoid. It is the only credit card with an annual fee on our list. Though it is only $50, no other cards charge an annual fee.

Looking at balance transfer fees, the Comerica credit cards or Huntington credit cards would be your best bet. The Comerica Bank cards, including the Comerica Bank Cash Rewards American Express® Card, and the Huntington Voice Credit Card® 3X REWARDS, and Huntington Voice Credit Card® Lower Rates only have a 3% balance transfer fee.

The KeyBank Key2More Rewards® Credit Card and KeyBank Latitude℠ Credit Card jump up to a 4% balance transfer fee.

When looking at cash advances, the Comerica credit cards and KeyBank credit cards are not your best option, since they have a 4% fee. This is 1% more than you will see with a Huntington credit card.

Of all of the credit cards, if you are looking to avoid a foreign transaction fee, you will want to seize a Huntington credit card or the Comerica Bank Cash Rewards American Express® Card. All of the other cards on the list charge a 3% foreign transaction fee.

It is important to see how these cards stack up when it comes to fees. Make sure that the fees of the card you are considering align with how you plan to use the card.



 APRs & Introductory Offers

Credit issuers charge you an annual percentage rate (APR). This is the rate that you will be charged on any balance that is carried on your credit card.

42.1% of Americans are carrying credit card debt, and if you are one of them, you will want a credit card with a low APR. With a lower APR, you will accrue less interest when carrying a balance on your card.

If you are looking for the lowest APR, you will want to turn to the KeyBank Latitude℠  Credit Card, which is followed by the Huntington Voice Credit Card® Lower Rates with a variable APR of 10.24 to 23.24%.

Comerica Credit Cards

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The Comerica credit cards have higher APRs, with a variable APR between 12.24% and 23.24%. The KeyBank Key2More Rewards® Credit Card and Huntington Voice Credit Card® 3X REWARDS have the highest APRs, starting at 13.24%. Though these aren’t a major difference, if you are carrying a large balance over from month to month, you will save on interest with the other cards.

Some credit cards offer introductory APR periods, which means that you will not be charged interest on balances for a specified period of time. This is a great feature to have, and you should take it into consideration.

Unfortunately, you will not get an intro APR offer with either Huntington credit card. The Comerica credit cards will offer you six months of 0% APR. This isn’t a relatively long intro APR offer, but it beats no offer.

The KeyBank credit cards also both offer introductory APR periods. With the KeyBank Key2More Rewards® Credit Card, you will get six months’ interest free, and the KeyBank Latitude℠ Credit Card will offer an impressive 15 months of 0% APR.

If you are planning to carry a balance on your card, or planning for large purchases, make sure you consider the variable APRs and introductory APR offers that come with each of these credit cards.

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Rewards Earning 

In order to entice you to use their credit card, issuers offer continual cash back rewards or points. By offering these rewards, they hope that you choose their card when buying your soy latte or pumping gas, instead of the other cards in your wallet.

Right away, the Huntington Voice Credit Card® Lower Rates can be removed from contention for best rewards card, because it offers no rewards. The other Huntington credit card does though, offering 3 points per dollar spent on any category of your choosing every quarter.

The Comerica credit cards also offer rewards. The Comerica Bank Visa® Bonus Rewards PLUS Card offers 1 point per dollar spent, but the catch is that you get a 50% bonus on all points earned, every month. This great feature sets this card ahead of the pack.

The Comerica Bank Cash Rewards American Express® Card also offers rewards. You will get 3% cash back at gas stations, 2% at supermarkets, and 1% on all other purchases.

Finally, we look at the KeyBank credit cards and the rewards that they offer. The KeyBank Latitude℠ Credit Card does not offer rewards, but the Key2More rewards MasterCard more than makes up for that.

With the Key2More rewards card, you will earn 5 KeyBank Relationship Rewards® points for every $1 in spent, with monthly bonuses. You will get a 25% bonus for spending more than $1,000 in a month and a 50% bonus if you spend more than $2,000.

When you are analyzing credit cards like the Key2More rewards MasterCard, make sure to look at rewards. You may be surprised how fast you rack up points!

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Sign-Up Bonus

Americans have so many options for credit cards that issuers are always looking for a way to convince you to choose their card. That is why they offer sign-up bonuses. These bonuses usually come in the form of cash back or points, and after making your first purchase or spending a set amount of money on your card, you will receive the bonus.

If a sign-up bonus is make or break for you, then either Huntington credit card will disappoint you, because neither offers one. This is also true for the KeyBank Latitude℠ Credit Card.

Thankfully, the Comerica credit cards come to the rescue. With the Comerica Bank Visa® Bonus Rewards PLUS Card, you will get $50 cash back after your first purchase. The Comerica Bank Cash Rewards American Express® Card also offers $25 cash back after your first purchase.

KeyBank won’t be left out of the fun, as the KeyBank Key2More Rewards® Credit Card offers an impressive 10,000 bonus points for using their card to make five purchases in the first two months of having your Key2More rewards card.

As great as sign-up bonuses are, it is important to remember here that sign-up bonuses are just a one-time benefit. Other features, such as APRs and fees, will carry with you for the duration of using your credit card.



Conclusion: Comerica Credit Cards vs. KeyBank Credit Cards vs. Huntington Credit Cards

When comparing Comerica credit cards to KeyBank credit cards and Huntington credit cards, there are many things to take into consideration.

The first aspect to consider is whether you have a relationship with the bank. If you have a preexisting savings, checking or investment account, you likely already know how the customer service and online interface is.

After that, when looking how the KeyBank rewards card, a Comerica credit card or Huntington credit card stack up against each other, be sure to consider the following:

  • Fees
  • APRs & Introductory Offers
  • Rewards Earning
  • Sign-Up Bonus

Comerica vs Keybank Credit Cards

Image Source: Dallas Morning News

It is important to do your research before opening a credit card. Credit cards are an important financial decision, and you don’t want to take it lightly, lest your financial future be negatively affected.

When choosing between Comerica Credit Cards, KeyBank Credit Cards, and Huntington Credit Cards, make sure to find the one that meets your individual preferences and financial situation.  

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Reasonable efforts have been made by AdvisoryHQ to present accurate information, however all info is presented without warranty. Review AdvisoryHQ’s Terms for details. Also review each firm’s site for the most updated data, rates and info.

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