Huntington Bank Voice Low Rate
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Card network
- Mastercard
- Regular purchase APR
- : 15.24% to 27.24% variable based on creditworthiness and the Prime Rate
At a glance
The Voice Low Rate Card from the Huntington Bank is a balance transfer and low APR card that simply can’t escape the shadow of its Rewards Card sibling. The card benefits from 0% intro APR on balance transfers for the first 12 months, no balance transfer fees, and a regular APR that is 2% lower than what comes with the Rewards Card. The card also features no foreign transaction fees and no annual fee.
Our review of the Huntington Bank Voice Low Rate
The Huntington National Bank offers the Voice Low Rate Mastercard as part of its credit card lineup. This card boasts a competitive APR that is two percentage points lower than its Rewards Card counterpart, making it a great option for those with excellent credit scores.
Key Features of the Voice Low Rate Card
- 2% Lower APR: With a regular APR that can dip below 12% for those with exceptional credit, this card offers a lower interest rate than most low rate cards on the market.
- 0% Intro APR on Balance Transfers: Enjoy a special introductory rate of 0% on balance transfers for the first year, with no balance transfer fees to worry about.
- Additional Perks: Cardholders can benefit from Mastercard’s Global Service and liability protection, as well as a late fee grace period provided by Huntington Bank.
Is the Voice Low Rate Card Right for You?
If you have a high credit score and are looking for a balance transfer card to help pay down existing debts, the Voice Low Rate Card could be a solid choice. However, if your credit score is below 730, you may want to explore other options with longer promotional periods for balance transfers.
For those with less-than-stellar credit scores, the high APR associated with the Voice Low Rate Card may not make it the best choice. In this case, consider alternative options such as the Citi Simplicity® Card, which offers a 0% intro APR period on balance transfers for 21 months.
Overall, the Voice Low Rate Card is a suitable option for Huntington Bank customers who prioritize a lower interest rate over rewards. However, if earning points is important to you, the Voice Rewards Card may be a better fit.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- No annual fee
- No penalty APR
- Get an extra day to pay if you miss a payment with Late Fee Grace
- No foreign transaction fee
Who this card may suit
- You want a low APR and nothing else
- You have excellent credit and plan on carrying a balance
- You don’t want to pay fees for balance transfers, foreign transactions, or annual membership
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | : 15.24% to 27.24% variable based on creditworthiness and the Prime Rate |
| Intro Balance Transfer APR | 0% for 12 months on transfers made within 90 days from account opening date |
| Balance Transfer APR | 15.24% to 27.24% variable based on creditworthiness and the Prime Rate |
| Balance Transfer Transaction Fee | Either $10 or 3% of the amount of each transfer, whichever is greater |
| Cash Advance APR | 29.24% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 3% of the amount of each advance, whichever is greater |
| Late Payment Penalty Fee | Up to $40 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
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Huntington Bank Voice Low Rate
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