Huntington Voice Business Credit Card(SM)

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The Huntington Voice Business Credit Card(SM) is a business rewards card designed for business owners who either spend a lot in just one category or who want the option of switching categories per quarter. There are ten categories you can earn 4% cash back in, and you can switch every quarter or stick with the same category for the whole year. You can only earn 4% cash back in one category at a time, though, and only on the first $7,000 you spend per quarter then 1% cash back.

There is no welcome bonus but there is a 0% introductory APR offer on balance transfers for 12 billing cycles on any balance transfer made within the first 90 days. However, you have to apply for this card in a Huntington Bank branch, and those are only located in a handful of states, specifically: Ohio, Colorado, Florida, Illinois, Indiana, Kentucky, Michigan, Minnesota, Pennsylvania, West Virginia, and Wisconsin. We dive into the details in this Voice Business Card review.

Huntington Voice Business Credit Card

Our Rating

4.0/5.0

Welcome Offer

None

Annual Fee

$0

0% on Purchases

N/a

Reward Rate

1% to 4% cash back

0% on Balance Transfers

12 billing cycles

Welcome Offer

None

Features & Benefits

SecurityEMV Chip Enabled, Zero Liability
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
Benefits24/7 customer service
Travel PerksEmergency Travel Assistance, Travel Accident Insurance

Rewards

1% cash back
On all other eligible purchases
Earn an unlimited 1% cash back on all other purchases.
4% cash back
Rotating Categories
Earn 4% cash back in the one rewards category you choose from ten pre-selected categories, on the first $7,000 you spend per quarter. Earn 1% cash back even after you reach the quarterly limit. You can change your 4% cash back category every quarter. Choose from the following categories: gas stations, travel and entertainment, restaurants, discount and warehouse stores, grocery stores, utility and office supply stores, electronics, computer and camera stores, department, apparel and sporting goods stores, home improvement stores, auto parts and service stores.

Interest Rates & Fees

Annual Fee$0
Foreign Transaction FeeNone
Regular APR16.24% - 27.24% (V) APR
Balance Transfers0% Intro APR for 12 months on balance transfers, then 16.24% - 27.24%(V) APR after that.
Balance Transfer FeeThe greater of $10.00 or 3% of the amount of each Balance Transfer

Pros & Cons

Pros
  • No annual fee
  • No foreign transaction fee
  • Up to 4% cash back
Cons
  • No welcome bonus
  • High APR
  • Requires good credit

What Are the Best Alternatives?

The American Express Blue Business Cash™ Card
The American Express Blue Business Cash™ Card

Rating

4.6

Rewards Range

1% - 2%

Annual Fee

No annual fee

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Capital One Spark Miles for Business
Capital One Spark Miles for Business

Rating

4.7

Rewards Range

2x to 5x miles

Annual Fee

$0 intro for first year; $95 after that

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Ink Business Cash® Credit Card
Ink Business Cash® Credit Card

Rating

4.8

Rewards Range

1%-5%

Annual Fee

$0

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