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Huntington Bank Voice Rewards card

Huntington Bank Voice Rewards

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
None
Recommended credit
Excellent / Good
Card network
Mastercard
Regular purchase APR
17.24% to 29.24% variable based on creditworthiness and the Prime Rate
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Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

The Huntington Bank Voice Rewards Card is one of two Voice Credit Cards from Ohio-based lender, The Huntington National Bank. The card earns 3X points on the first $2,000 in purchases made in a category of the cardholder’s choosing. There are ten categories to select from, which can be swapped out every quarter. The card also features 0% intro APR for a year on balance transfers made within the first 90 days, no balance transfer fees, and no foreign transaction fees.

Our review of the Huntington Bank Voice Rewards

If you’re in the market for a rewards credit card, the Huntington Bank Voice Rewards Card may be just what you’re looking for. With no annual fee and the opportunity to earn up to 3X points in your chosen category, this card offers great value. However, it’s important to understand the potential pitfalls that can come with it.

Earn 3X In Your Chosen Category

With the Huntington Bank Voice Rewards Card, cardholders have the chance to earn up to 3X points on every purchase. The first $2,000 spent in a chosen category will earn triple points, while all other purchases will earn a flat rate of 1X points per dollar. There are ten different categories to choose from, including gas stations, travel, restaurants, and more.

Change Your 3X Category Every Quarter

One unique feature of the Voice Rewards Card is the ability to change your 3X category every quarter. This flexibility allows you to tailor your rewards to your spending habits, whether you’re planning a holiday trip or tackling home improvement projects. Being able to adjust your bonus category sets this card apart from others in the market.

What Are Voice Points Worth?

Points earned with the Voice Rewards Card can be redeemed for a variety of rewards, including gift cards, cash back, travel, and merchandise. Each point is worth one cent, making it easy to calculate the value of your rewards. This puts the card in line with other rewards programs on the market.

Interest Rates Vary Based on Creditworthiness

It’s important to note that the interest rates on the Voice Rewards Card can vary widely based on your creditworthiness. While the card offers competitive rates for those with excellent credit, those with lower credit scores may face high APRs. If you plan to carry a balance, make sure you understand the potential impact of these rates on your finances.

Should You Apply for the Huntington Voice Rewards Card?

Overall, the Huntington Bank Voice Rewards Card is a solid choice for those with excellent credit who want a flexible rewards program. The ability to earn triple points in a chosen category and change it quarterly offers great value. Additionally, the low APR on purchases and balance transfers make it a good option for those looking to carry a balance.

If you have concerns about the interest rates or are looking for alternative options, consider exploring other credit card offers from Huntington Bank or elsewhere. Remember to carefully review the terms and conditions of any card before applying to ensure it aligns with your financial goals.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • No annual fee
  • Select from one of 10 categories to earn 3X points in
  • Change your chosen category every quarter

Who this card may suit

  • You want the freedom to change your rewards category every quarter
  • You plan to carry a balance and have excellent credit balance off every month
  • You have good credit and plan to pay your entire
  • You don’t want to pay an annual fee or foreign transaction fees.

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual FeeNone
Regular Purchase APR17.24% to 29.24% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR0% for 12 months on transfers made within 90 days from account opening date
Balance Transfer APR17.24% to 29.24% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction FeeEither $10 or 3% of the amount of each transfer, whichever is greater
Cash Advance APR29.24% variable based on the Prime Rate
Cash Advance Transaction FeeEither $10 or 3% of the amount of each advance, whichever is greater
Late Payment Penalty FeeUp 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 Rewards

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