Huntington Bank Voice Credit Card Review - Is It the Best for You?

The Huntington Bank Voice Credit Card is a solid option for those who want a straightforward rewards program. It earns 3% cash back on groceries, 2% cash back on gas, and 1% cash back on all other purchases.

With no annual fee, it's an attractive option for those who want to avoid added expenses. The card also offers a sign-up bonus of $200 after spending $500 in the first three months.

The rewards program is easy to understand and doesn't have any rotating categories or spending limits. This makes it a great choice for those who want a low-maintenance credit card.

The Huntington Bank Voice Credit Card offers a flat 1.5% cashback on all purchases, making it a simple and hassle-free way to earn money back on everyday spending.

You can also earn 3x rewards on your chosen category from ten available options, up to $2,000 spent per quarter (1% thereafter and on all other purchases) with the Huntington Voice Rewards Credit Card.

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The Huntington Cashback Card comes with benefits like no categories to choose and no caps on how much cash back you can earn.

If you choose to go with the Huntington Voice Rewards Credit Card, you can change your category every month, giving you the opportunity to maximize your rewards based on your spending.

Here are the available categories you can choose from with the Huntington Voice Rewards Credit Card:

With the Huntington Voice Business Credit Card, you can earn 4% cash back on your chosen category on the first $7,000 purchases per quarter ($28,000 annually), which you can change per quarter.

One good thing about the Huntington Bank Voice Credit Card is that it doesn't have an annual fee, which is a nice perk for those who want to avoid extra charges.

Fees for balance transfers and cash advances are either $10 or 3% of the amount, whichever is greater. This means you'll need to calculate the cost of these fees based on the amount you're transferring or withdrawing.

You won't be charged a late payment fee if you make your payment on time, although if you do miss a payment, the fee is up to $39.

Here's a breakdown of the fees associated with the card:

The APR for this card ranges from 9.99% to 23.99%, depending on the version you choose.

The Huntington Bank Voice Credit Card offers a unique rewards program that allows you to earn 3x points in your chosen category, up to $2,000 spent per quarter.

You can choose from 13 different categories, including Apparel/Soft Goods, Department Stores/Electronics, and Gas. If you don't make a change, you'll keep the same category you had the previous quarter.

Here are the available categories:

You can change your category every quarter, or keep the same one if you prefer. Points are worth 1¢ each when redeemed for cash or statement credit.

The 10% Bonus is a feature that can boost your points earnings, but it's not without its caveats. You need to have a Huntington 5 or 25 checking account open to qualify for this bonus.

Points earned with this bonus are essentially worth 1.1 times their normal value, making the card a 3.3% card in the category of your choosing. However, the fees associated with these checking accounts might outweigh the benefits of the bonus.

You can earn points from various promotions, but keep in mind that points earned from these promotions might expire if you don't redeem them quickly. Points earned normally don't expire as long as your account stays in good standing.

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Earning points with the Huntington Voice Credit Card is pretty straightforward. You get to choose your own 3x rewards category from 13 different options, including Apparel/Soft Goods, Department Stores/Electronics, and Restaurants.

The categories are:

You can choose your category within 30 days of opening your account, and you can also change it prior to the start of each quarter. The dates for each quarter are as follows:

If you don't make a purchase within your chosen category, you'll only earn 1 point. However, if you do make a purchase within your category, you'll earn 3x points on the first $2,000 spent per quarter, up to a maximum of 6,000 points.

Making payments with your Huntington Bank Voice Credit Card is a breeze. You can call 800-372-7725 and follow the prompts to process your credit card payments.

The phone payment option is available from Mondays to Thursdays, 8 a.m. to 11 p.m. Pacific time; Fridays, 8 a.m. to 9 p.m. PT; and Saturdays, 8 a.m. to 4 p.m. PT.

You can also pay via the mobile app, available for both iOS and Android devices.

If you prefer to pay in person, visit the nearest Huntington Bank branch.

Alternatively, you can mail a check to the following address:

Huntington National Bank

Attn: EA1W18

PO Box 182387

Columbus, OH 43218

Be aware that exceeding your credit limit may result in treating the amount exceeded as immediately due, or the transaction may be declined. You are still responsible for the total balance on your account.

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The Huntington Bank Voice Credit Card has some unique features that set it apart from other credit cards. It offers 4X Rewards Points on the first $7,000 spent per quarter ($28,000 annually) on pre-determined categories.

You can earn 1% cash back on all other purchases, but be aware that there's no interest-free financing option for purchases. This means you'll need to pay your balance in full each month to avoid interest charges.

One of the card's benefits is Mastercard ID Theft ProtectionTM, which monitors your credit file for changes that may be fraudulent in nature and provides alert notifications on suspicious activities.

Another perk is Mastercard Zero Liability ProtectionTM, which protects you from any unauthorized transactions made with your card.

The card also offers unlimited employee cards, which can be requested for your employees and come with spend controls.

If you do happen to miss your due date, you'll get an extra day to pay thanks to the Late Grace Fee®. Just be sure to pay the minimum payment a day after your scheduled due date to avoid a late charge.

The card is available in 11 states: Ohio, Colorado, Florida, Illinois, Indiana, Kentucky, Michigan, Minnesota, Pennsylvania, West Virginia, and Wisconsin.

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If you're considering the Huntington Bank Voice Credit Card, you might also want to look into other options.

The Citi Double Cash Card offers a similar cashback rewards program, with 2% cashback on all purchases, with no rotating categories or spending limits.

For those who value travel rewards, the Chase Sapphire Preferred Card is a popular alternative, offering 2X points on travel and dining purchases, and a 60,000-point bonus after spending $4,000 in the first 3 months.

Ultimately, the best credit card for you will depend on your individual needs and financial goals.

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If you're looking for alternatives to traditional methods, consider using online platforms to manage your finances. These platforms can help you track your expenses and stay on top of your budget.

Some online platforms offer features like automated savings and investment tracking, allowing you to make the most of your money. For example, you can set up automatic transfers to a savings account or invest in a diversified portfolio.

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Mobile banking apps can also provide a convenient alternative to traditional banking methods. These apps often offer features like mobile deposit and bill pay, making it easier to manage your finances on the go.

Online budgeting tools can help you create a personalized budget and track your spending over time. By categorizing your expenses and setting financial goals, you can make informed decisions about how to allocate your resources.

Consider using a spreadsheet to track your expenses and income, or a budgeting app like Mint or Personal Capital to make it easier.

If you're considering the Huntington Bank Voice Business Credit Card, you're likely looking for a card that offers flexibility and rewards.

Businesses that spend up to $7,000 per quarter can earn the premium cash back on their chosen category, making it a great option for those with moderate spending habits.

Those who want to choose the category for premium cash back can select from 10 preselected categories and change their choice per quarter, allowing them to maximize their rewards.

Having an active business checking account with Huntington Bank can also be beneficial, as you can manage all of your financials within one bank.

If you're already a Huntington Bank business checking account holder, this card is definitely worth considering, especially if you're looking for a card that integrates well with your existing banking setup.

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