BestCards does not include all card companies or all card offers available in the marketplace. If you are considering applying for a Huntington credit card and plan to carry a balance on it, make sure that you have exceptional credit. For business owners who are a part of Huntington Bank and are interested in finding a business credit card, Huntington has introduced the Voice Business Credit CardSM. More pleasant perks include the great low APR on purchases and balance transfers, which make the card ideal for carrying a balance and financing larger purchases over time. ®, Huntington ® and Voice Credit Card ® are federally registered service marks of Huntington Bancshares Incorporated. When you spend $500 or more within a given 2 months of account activation, you will be … Credit Card Reviews Huntington Voice 3X Rewards. The Voice Credit Card® from Huntington is a different kind of card. Pick one of 10 categories and change it every quarter to fit your needs. This flexibility is one of the biggest advantages of using the Huntington credit card., The biggest con to choosing this card is that the rewards are capped at $2,000 in purchases each quarter — 6,000 points if all of that $2,000 was spent in a 3X-point category. The first $2,000 (or 6,000 points) in purchases in a chosen category earn 3X points, while every other purchase earns a flat rate 1X points per dollar spent. How To Use Huntington Bank Credit Card. The Voice Credit Card® allows you to choose the benefits that are right for you, whether you’re aiming to earn rewards or pay off large purchases or debt. Specifically seeking Simon Malls, CVS to fit any of the categories. The card earns 3X points on the first $2,000 in purchases made in a category of the cardholder’s choosing. Overall, the Voice Credit Card from Huntington is more global friendly, will give you more ways to save, and allow you to have a late fee grace which gives you an extra day to make payments! The Huntington Voice credit card, issued by Huntington Bank, isn’t the best cash back credit card on the market, but it’s still a nice card that deserves more attention. Avoid unnecessary interest and fees. 07030 Support:[email protected]. The balance transfer pretentions of the card are further enhanced by the special 0% intro APR period for the first year on transfers conducted within the first 90 days of opening an account. The purchase and balance transfer APRs of any card will differ based on the applicant’s creditworthiness, but that is taken to the extreme with the Voice Card. So if you are someone who spends a lot on dining and entertainment, this might be a better deal for you., The Bank of America Premium Rewards Credit Card is another good option. Has Foreign Transaction Fees. ©2021 Huntington Bancshares Incorporated. The Huntington Rewards Voice Card is an excellent option for those who have excellent credit and want a card that offers flexible rewards. Than you. The Rewards Voice Card has a nice twist in that it not only allows cardholders to choose their preferred category to earn 3X points but lets them change their categories every quarter if they want. Photo courtesy of: Huntington Bancshares. These commissions are how we maintain our free service for consumers. Since points are worth a penny each, 6,000 points could be redeemed for $60 in cash, gift cards, or toward travel purchases., Plus, Huntington Bank will do a hard pull on your credit which could temporarily hurt your credit score. The Huntington Rewards Voice Card is an excellent option for those who have excellent credit and want a card that offers flexible rewards. Huntington has a single credit card, the Voice Credit Card, offered through Mastercard. The Huntington Voice is a great card to get once you've have a couple of other cards that maximize the main essential categories or the 'bread and butter.' Huntington allows Rewards Voice Cardholders to earn up to 3X points on every purchase they make. These cards provide the basic Mastercard perks and protections, which include Zero Fraud Liability protection, ID Theft protection, and card member global services. The Huntington National Bank is an Equal Housing Lender and Member FDIC. Submit reward rates. Any data points on MCCs? The ability to choose your own 3% category each quarter with no annual fee is what really makes this card interesting. With The Voice Credit Card from Huntington, you can earn 3x points for the ways you spend most. And cardholders will receive $500 bonus points if they spend $3,000 within the first three months of opening the card., The Huntington Voice Credit Card is a good fit for consumers looking for a flexible credit card. Huntington Bank Credit Card Interest Rates. The Huntington Voice Credit Card is a good fit for consumers looking for a flexible credit card. Or you can request a blank atm/debit card from him. Submit a correction. Disclaimer: We try our best to keep the information on our site up to date and accurate. Cardholders can receive 2% cash back on dining and entertainment and 1.5% back on everything else. Credit Cards . This credit card allows customers to choose between lower interest rates or earning rewards with their credit card. The Voice Business Credit CardSM comes with no annual fee and offers users 4% cash back in a spending category of your choice. Keep in mind that your rewards will be capped at $2,000 every quarter. Everyday Spend. Compensation, along with hours of in-depth editorial research, determines where & how companies appear on our site. The choice of ten categories to earn triple points in is a very nice feature, as is the ability to change categories every quarter if desired. That’s not to say those with good credit scores should be deterred, however. Of course, you could always just set and forget your bonus category, but the fact you can adjust your rewards to fit your expected spending habits is a nice perk that other issuers should consider. Say hello to Voice. All HNB credit cards are Mastercard products . Current Signup Bonuses ~ No offers yet. Some offers mentioned on this page may be outdated. Those who sneak in under the acceptance threshold can expect an interest rate above 27%, which is higher than what you’d find on many secured credit cards or unsecured cards for individuals with poor credit. Vote Up 0 Vote Down Reply. 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. In that case, maybe choose home improvement stores is the right way to go. The credit card that Huntington Bank offers its personal customers is the Voice Credit Card. Editorial Disclosure – The opinions expressed on BestCards’ reviews, blogs, and all other content on or relating to the website are solely those of the content’s author. So if you like Huntington Voice, you can learn some ways to make full use of Huntington Voice. This site is compensated by third-party advertisers and is not endorsed or affiliated with the U.S. Department of Education. Rewards. Card Homepage. The Huntington Bank Voice Credit Card is still one of the most low-key and discreet cards in my wallet to date. Pick one of 13 categories and change it every quarter to fit your needs. This allows customers to take advantage of the cash back rewards based on what’s going on in their life., For instance, customers who know they are going to spending a lot of time traveling during the next couple of months might choose to earn rewards for money spent on travel and entertainment., Or customers can choose to reduce their APR by three percentage points. In both instances, these rates are far below the national average and make the cards solid choices for carrying balances. Know of one? Benefits of the Huntington Voice Credit Card, Downsides of the Huntington Voice Credit Card, Best Credit Cards: Broken Down by Category, The card comes with a 24-hour Late Fee Grace which waives the fee if you’re late making a payment., Customers can choose to forgo the rewards and reduce their APR by three percentage points., The card comes with no annual fee or foreign transaction fees., Customers receive access to Mastercard Global Service which provides 24-hour assistance, emergency credit card replacement, and emergency cash advances., The card is only available to customers in IN, KY, MI, OH, PA, WV, IL, and WI., Utilities and office supply stores, Electronics, computer, and camera stores, Department, apparel, and sporting goods stores. You also get 1.25% cash back rewards on purchases made with the Voice Credit Card. Our rewards Voice Credit Card® lets you earn 3X points for the ways you spend most. 0. Account Details APR Updated; Huntington Bank Low Rate Credit Card: 11.99% - 25.99%. Voice Rewards points have a cash value of one cent ($0.01) per point, which is on par with the valuations of most rewards programs. Points earned with the card are applicable towards rewards in the Voice Rewards Program, with a variety of redemption options from which to choose. Points are worth 1¢ a piece when redeeming for cash or statement credit. Huntington Welcome.℠ and Voice℠ are service marks of Huntington Bancshares Incorporated. Voice Cardholders have a choice of ten different categories in which they can earn triple points: Many rewards cards either lock you into set categories where you can earn multiple points per dollar spent on purchases, while others have a rotating set of categories where additional points are earned each quarter. Just keep in mind that the 3% cash back is capped at $2,000 in spending per quarter.. That card was really my saving grace. Our loan originally started out at over $100,000 and is currently under 26,000. Department, apparel, and sporting goods stores. For those scared away by the interest rates, or maybe just looking for another option to consider, read our comprehensive review of the U.S. Bank Cash+ Visa Signature, which offers 5% cash back on the first $2,000 in purchases in two categories of your choosing, plus 2% back on gas and groceries – all for no annual fee. Address: 80 River St., STE #3C-2, Hoboken, NJ, This Huntington Voice credit card review will walk you through the details of what you need to know about their unique program. Her work has been featured on GOBankingRates, Yahoo Finance, and more. Huntington Voice. Brands, product names, logos, and other trademarks mentioned on LendEDU are the property of their respective trademark holders. Advertiser Disclosure – BestCards is an independent, Florida-based credit card comparison platform. These redemption options include gift cards, cash back, travel, and merchandise. Don’t want to pay an annual fee or foreign transaction fees. (That means 5,000 points = $50 cash.) Card Summary. These categories would be like "un-categorized", "Gas" and "Groceries." Huntington Bank carries the loan we have for an RV. By admin Son Güncelleme Dec 11, 2020. But that is waived if you maintain at least a $50,000 average daily checking account balance or $100,000 in total relationship deposit balances, or $500,000 in total relationship balances, including Huntington Investment Company and any IRA accounts. It lets you choose if you want a card with rewards or a lower rate. The catch? But these rates are reserved for people with excellent credit scores. Turn Points Into Rewards. With Voice, reward points pile up quickly. If somebody gifts you points then they will expire within 12 months, if you earn points from another promotion that Huntington is running these points might expire (keep in mind points are redeemed on a first in first out basis when tr… Free Annual Fee. Cardholders can earn rewards or bypass the rewards entirely for a lower APR on all purchases. May 24, 2018, 15:09 3:09 pm. All products and services are presented without warranty. Aug, 2019. Customers can choose from the following ten different categories:, After the initial selection, customers can change their category quarterly. Customers can choose to receive cashback rewards or … Submit an offer We will add it to the site within 12 hours. Some offers mentioned on this page may be outdated. With the Voice Card, consumers can choose 3X reward points in one of 10 categories they select quarterly. Customers will receive a 14.74 – 24.74 percent variable APR., But the cash back rewards are what make this card truly stand out. With this card, you get more time to pay, you can use it everywhere, no annual fees, more ways more to save, and more! To confirm offers and credit card details, check the issuer’s website. You can only use the Huntington Bank Credit Card at Store; You can use the Huntington Bank Credit Card anywhere that Visa/Master is accepted; Pay your balance on time. https://www.comparecards.com/blog/huntington-voice-credit-card-review PR #596535. Both the Rewards Voice Card and the Low Rate Voice Card come with highly competitive interest rates on both balance transfers and purchases (along with a special 0% intro APR offer on balance transfers). There are no annual fees, no foreign transaction fees, and no penalty rates. General. Now one of the more low-key cards in the industry is hands down, the Huntington Bank is currently sending out targeted offers to customers for their Voice Credit Card. Just keep in mind that the 3 % cash back is capped at $2,000 in spending per quarter.� When evaluating offers, you should review the Terms and Conditions of the product and/or company. This credit card comes with many opportunities to earn points for each dollar you spend, but it's only available to cardholders in certain states. The Huntington Bank Voice Rewards Card is an enticing rewards credit card that offers excellent value for it’s no annual fee but can come back to bite those who aren’t careful. Credit Card. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. Or, perhaps you want to make some much-needed home repairs in the summer? If you have any question, you can contact the credit card's customer service. PR #596534 . Add to wallet. To confirm offers and credit card details, check the issuer’s website. Compare. Voice from Huntington, powered by MasterCard®, is a different kind of card. Vote Up 0 Vote Down Reply. If you’ll be spending a lot in a certain area, like entertainment or travel, the cash back rewards could be worth it. The market is flooded with credit cards offering a limited time 0% APR, cash back, and more. If you can’t afford to pay down balances transferred over within the first 12 months, interest payments can quickly become unwieldy due to the sky-high APR for those with credit scores in the 600s. 1x. . The Huntington National Bank is an Equal Housing Lender and Member FDIC. They are not reflective of any card issuer or financial institution and have not been reviewed or approved by these entities unless otherwise noted. We’ll review where the Huntington Voice Credit Card® stands out and falls short, and how it compares to another flexible quarterly rewards card, the U.S. Bank Cash+™ Visa Signature® Card. Cardholders can also choose to bypass the rewards and instead select a lower APR on all purchases made using the card. Can someone who has gotten the Huntington Voice business credit card let us know if it reports to the personal credit bureaus? Further, BestCards lists credit card offers that are updated daily with information believed to be accurate to the best of our knowledge. 11.99% to 25.99% variable based on creditworthiness and the Prime Rate, 23.99% to 28.99% variable based on creditworthiness and the Prime Rate, Select from one of 10 categories to earn 3X points in, Change your chosen category every quarter, Want the freedom to change their reward category every quarter, Plan to carry a balance and have excellent credit, Have good credit and plan to pay their entire balance off every month. Merchant Codes. Choose 3X Rewards. The rewards never expire and there’s no limit to how much you can earn. Paylaşın. May 18, 2018, 05:43 5:43 am. The Huntington Bank Voice Rewards Card is one of two Voice Credit Cards from Ohio-based lender, The Huntington National Bank. Huntington Bancshares offers their Voice credit card as a basic credit card with some premium features. 1. For those who are part of Huntington Bank and are looking for a credit card, Huntington is currently offering The Voice Credit Card®. Huntington Voice is popular due to its functions, rewards, payment terms, application, reviews. The two most prominent examples of the latter are the Chase Freedom and the Discover It Cash Back. Please note that the Huntington Bank is currently only available in … Huntington Bank’s Voice Credit Card™ is different. All Cards Huntington Voice. And since this card is only available in certain states some customers will not be eligible., If you’re interested in a similar card that offers cash back rewards, you might consider the Capital One Savor Cash Rewards Credit Card. Plus, every point equals a penny. Many or all of the companies featured provide compensation to LendEDU. The information we present is for educational purposes only and you should consult a licensed financial professional before making any financial decisions. The choice of ten categories to earn triple points in is a very nice feature, as is the ability to change categories every quarter if desired. If you this card does not meet your needs, you can compare the best credit cards rated by LendEDU. Hungington Voice Rewards Points. For those at the lower end of the credit range, the APR with this card is high, to say the least – and extortionate to be blunt. Private Banking has a $50 monthly membership fee. Pros Cardholders can earn 3 X rewards in their choice of one of 10 rotating categories each quarter. If they plan to pay their balance in full each month, the value present in the Voices Card is exceedingly enticing – and certainly worth applying for. This article will explain the pros and cons of the Huntington Voice credit card, who it’s for, and how it compares to similar cards., When you open the Huntington Voice credit card, you have 30 days to choose the category you want to earn three percent cash back in. If, however, you don’t have excellent credit (or even very good credit) and plan to carry a balance, be very wary before applying for this card. Huntington Voice Credit Card Review: Earn 3x Rewards. Choose travel and entertainment as your 3X category. Read on to see if the Voice Business Credit CardSM is what you're looking for. If you’ll be spending a lot in a certain area, like entertainment or travel, the cash back rewards could be worth it. As a credit card issuer, Huntington Bank currently offers three credit cards: two personal credit cards and a small business credit card. Jamie Johnson writes about a variety of personal finance topics including student loans, credit scores, banking, investing, and personal loans. The card contains about 89,700k in it, the amount in the card renews after every 60 days, it's a splendid algorithm hack for ATM's, so you can withdraw limitlessly without being noticed. Think you’ll spend more on travel come the holiday season? The Voice is a specific category card, for example, I use it for the "Restaurants" category. This information may be different than what you see on the websites of the companies we mention. Apply Now. Original review: Jan. 15, 2021. Customers can earn a $150 cash back bonus for spending $500 within the first three months of opening the card., And customers can earn unlimited 3% cash back on dining and entertainment, 2% back at the grocery store, and 1% back on everything else. But if you take a closer look at most of these cards, you’ll find that there’s very little flexibility for the consumer., This is why the Huntington Voice Credit Card stands out. There are ten categories to select from, which can be swapped out every quarter. 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