Huntington Bank Business Credit Card Review and Application

Huntington Bank offers a business credit card with a competitive rewards program and benefits for small business owners.

The card offers 3X points on gas and travel purchases, making it a great option for businesses with frequent travel needs.

With the card, you can earn rewards points on every purchase, redeemable for cash back, gift cards, or travel.

The card also offers a 0% introductory APR for 12 billing cycles, giving you time to pay off purchases without interest.

You might like: Us Bank Credit Card Offers like Chase Offers

The Huntington Bank Business Credit Card is a powerful tool for entrepreneurs and small business owners. With a rewards program that offers 3X points on gas, 2X points on travel, and 1X point on all other purchases, it's no wonder why this card is a favorite among business owners.

The card also offers a 0% introductory APR for 12 billing cycles, giving you time to pay off your balance without incurring interest charges. This can be a huge help if you need to cover unexpected expenses or make a large purchase.

To apply for the card, you'll need to meet the eligibility requirements, which include having a good credit score and a steady income. You can apply online or over the phone, and the process is usually quick and easy.

Explore further: Best Credit Cards for Small Business Owners

Earning Rewards is a key benefit of the Huntington Bank Business Credit Card. You can earn 4% cash back on your chosen category on the first $7,000 purchases per quarter, which adds up to $28,000 annually.

This means you can earn a significant amount of cash back by selecting the right category each quarter. You can choose among 10 categories to switch to every quarter.

If you're a business owner with regular expenses, you can use the Huntington Bank Voice Business Credit Card Rewards Calculator to estimate your earnings. Simply input your expected expenses based on the categories, and the calculator will do the rest.

Here are the categories you can choose from:

Keep in mind that the 4% cash back category can be changed every quarter, so you can mix and match categories to maximize your rewards.

The Huntington Bank Business Credit Card has some great features that can help your business thrive. Fewer fees is one of the top benefits, giving you more money in your pocket.

This card also gives you more time to make payments, which can be a huge relief during busy periods. You can focus on running your business instead of worrying about payment deadlines.

Tools to help safeguard you from theft and fraud are also included, providing an extra layer of security for your business.

You can pay your bill online, by phone, or by mail, and make payments at any time without penalty.

The due date for your payment is listed on your statement, and payments are processed in the order they are received.

To avoid late fees, make sure to pay at least the minimum payment by the due date.

The Huntington Bank Business Credit Card has a credit limit of $500 to $10,000, depending on your creditworthiness.

You can request a credit limit increase online or by calling customer service.

The credit limit increase will be processed within 7-10 business days.

You might enjoy: Credit Limit Increase Chase Sapphire Preferred

To avoid overspending, consider setting up a budget and tracking your expenses.

You can also set up account alerts to notify you of low balances or suspicious activity.

These alerts can be sent to your email or phone, and can be customized to fit your needs.

The Huntington Bank Business Credit Card has a rewards program that offers 1 point for every dollar spent.

One of the best features of the Huntington Bank Business Credit Card is that it doesn't charge any foreign fees, so you won't have to worry about extra expenses when making purchases abroad.

The APR on purchases and balance transfers is variable, ranging from 15.74% to 26.74%, and adjusts with the prime rate. The minimum interest charge is $1.

Here's a breakdown of the APRs:

It's worth noting that there is a 0% introductory APR on balance transfers for the first 12 billing cycles after opening an account, but this offer may end if your minimum monthly payment is over 60 days late.

When you travel abroad, you'll appreciate not having to pay extra for international transactions. Other banks may charge up to an additional 3% on purchases made outside the United States.

You won't have that extra expense with the Voice card, which means more money in your pocket to spend on souvenirs or other travel expenses.

This can add up quickly, especially on big purchases.

Fees can be a major pain, but it's good to know what you're getting into with your credit card. There's no annual fee, which is a nice perk.

If you need to transfer a balance, you'll either pay $10 or 3% of the amount, whichever is greater. I've seen some credit cards charge way more for this service, so this is a relatively good deal.

Cash advances are also subject to a fee, which is either $10 or 3% of the amount, whichever is greater. This can add up quickly, so be careful how often you use this feature.

If this caught your attention, see: 5/3 Bank Credit Card Rewards

Late payments and returned checks can also incur a fee, up to $39. This is a pretty standard fee, but it's still something to keep in mind.

Here are the fees in a nutshell:

Huntington Bank may permit transactions that exceed your total credit limit.

You are responsible for the total balance on your account, regardless of whether the transaction is declined or treated as immediately due.

APR can be a complex topic, but let's break it down simply.

The APR on the Huntington Bank credit card can vary depending on the type of transaction. For balance transfers made within the first 90 days after account opening, the introductory APR is 0% for the first 12 billing cycles.

If you're planning to make large purchases, consider the U.S. Bank Business Platinum Card, which offers a 0% introductory period on purchases for the first 18 billing cycles.

The APR on the Huntington Bank credit card can be as high as 26.74% variable for purchases and balance transfers, which adjusts with the prime rate. A minimum interest charge of $1 applies.

Here's a summary of the APR on the Huntington Bank credit card:

You can redeem your earned rewards by logging in to your account or calling Huntington Bank's customer service at 888-696-9982.

Earned rewards are redeemed on a first-in, first-out basis, so it's best to redeem them as soon as possible.

You can redeem your rewards for a variety of things, including gift cards, cash back, travel, and merchandise.

Voice Rewards points have a cash value of one cent ($0.01) per point, which is on par with the valuations of most rewards programs.

To give you a better idea of the redemption options, here are some details:

With the Huntington Bank Voice Business Credit Card, you can also enjoy some great benefits, including Mastercard ID Theft ProtectionTM and Mastercard Zero Liability ProtectionTM.

The Huntington Bank Voice Business Credit Card℠ is a lucrative rewards credit card that offers midwestern companies plenty of what they want – and little of what they don’t.

The card provides up to 4% back on a selection of ten categories, with businesses choosing the categories they anticipate to spend the most each quarter.

Businesses can earn rewards on gas stations, dining, warehouse and groceries stores, office supplies, and more, making it a great resource for small-to-medium-sized businesses.

The rewards apply to the first $7,000 per quarter – up to $28,000 per year – which is a generous earning limit.

The Voice Business Card also lacks hidden fees, like foreign transaction fees, which is a relief for businesses that frequently make international transactions.

It also provides a grace period extension for missed payments and lacks a penalty APR, making it a more forgiving credit card option.

Overall, the Huntington Bank Voice Business Credit Card℠ is a great small business credit card for customers in the region Huntington serves, including Illinois, Indiana, Ohio, Michigan, and more.

For your interest: Huntington Bank Voice Credit Card Review

The Huntington Bank Business Credit Card is a solid choice for businesses looking to maximize their cash back rewards. It lets you choose the category where you can earn a premium rate of 4% cash back.

This rate only applies to the first $7,000 purchases in your chosen category per quarter, so plan accordingly.

You can change your premium category quarterly, giving you flexibility to plan your purchases while maximizing rewards earned.

Readers also liked: Bank of America Credit Card Cash Back Categories