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The Ohio State Voice Credit Card card

The Ohio State Voice Credit Card

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
15.24% to 27.24% 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 Ohio State Voice Credit Card is one of three Voice Credit Cards issued by The Huntington National Bank, an Ohio-based lender. On the first $2,000 spent in a category of the cardholder’s choosing, the card earns 3X points. On balance transfers performed within the first 90 days, the card also offers a 0% intro APR for a year, no balance transfer fees, and no foreign transaction fees.

Our review of the The Ohio State Voice Credit Card

The Ohio State Voice Credit Card® from Huntington National Bank is the perfect way for Buckeyes fanatics to show their school pride while earning fantastic rewards in their preferred category.

How to Earn Rewards

The Ohio State Voice Card offers similar rewards to the Huntington Bank Voice Rewards Card, allowing cardholders to earn up to 3X points on eligible purchases. Buckeye cardholders can earn 3X points per $1 spent on purchases in one of ten chosen categories. The 3X points per dollar apply to the first $2,000 in purchases per quarter. After surpassing this threshold, cardholders will earn 1X points as the base earning rate.

The ten quarterly categories for earning bonus points include:

  • Gas stations
  • Travel and entertainment
  • Restaurants
  • Discount and warehouse stores
  • Grocery stores
  • Utilities and office supply stores
  • Electronics stores
  • Department, apparel, and sporting goods stores
  • Auto parts stores
  • Home improvement stores

Cardholders have the flexibility to change their bonus categories every quarter based on their spending habits, making it a customizable and convenient option.

How to Redeem Rewards

Points earned with the Ohio State Voice Card can be redeemed through the Voice Rewards Program for various options such as gift cards, cash back, travel, and merchandise. Points do not expire as long as the account remains in good standing.

0% Intro APR on Balance Transfers

New accounts enjoy a 0% intro APR on balance transfers for the first 12 billing cycles following account opening. The regular APR varies based on creditworthiness, ranging from approximately 13% to around 26%.

Choose a Lower Rate

Cardholders have the option to choose between rewards or a lower interest rate. Opting for rewards provides the standard 3X points, while selecting a lower APR offers a reduced purchase APR without rewards.

Fair Play Banking

Huntington National Bank’s Fair Play Banking philosophy eliminates hidden fees and confusing redemption options, offering transparency and simplicity for cardholders. Features like Late Fee Grace and no penalty fee pricing further enhance the cardholder experience.

Other Card Features

Additional features of the Ohio State Voice Credit Card include:

  • No annual fee
  • No foreign transaction fees
  • Complimentary authorized user cards
  • EMV chip and contactless payment technology
  • FICO Score access every month
  • Mastercard ID Theft Protection
  • Zero Liability Protection

Should You Apply for the Ohio State Voice Credit Card?

The Ohio State Voice Rewards Credit Card is a versatile option for Buckeyes alumni and students seeking rewards without hidden fees. With a choice of ten bonus categories, low APR on purchases and balance transfers, and additional perks like the 0% intro APR period, this card is a great choice for those looking for a rewarding and transparent credit card option.

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 for the first $2,000 in quarterly spending
  • Earn 1X on all other eligible purchases
  • 0% intro balance APR for 12 months after account opening

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
  • You're an Ohio State University fan or alumnus
  • 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 APR15.24% to 27.24% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR0% for 12 months
Balance Transfer APR15.24% to 27.24% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction FeeEither 3% of the transfer amount or $10, whichever is greater
Cash Advance APR29.24% variable based on the Prime Rate
Cash Advance Transaction FeeEither 3% of the advance amount or $10, 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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The Ohio State Voice Credit Card

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