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Huntington Voice Business Credit Card is a great option for those who want to choose the expense category where they can earn premium cash back. It offers 4% cash back on one of the 10 categories of your choice on up to $7,000 worth of purchases per quarter ($28,000 annually). On top of that, it carries $0 annual and foreign transaction fees, helping you save on your credit costs.
Note that online application is unavailable and that branches are only in selected states. Full-service banking services are available in Ohio, Michigan, Minnesota, Pennsylvania, Indiana, Illinois, Colorado, West Virginia, Wisconsin, and Kentucky.
Huntington Bank Voice Business Credit Card
BEST FOR:
Those with existing checking account with Huntington Bank
- 4X Rewards Points on the first $7,000 spent per quarter ($28,000 annually) on pre-determined categories
- 1% cash back on all other purchases
Pros
- Does not charge annual and foreign transaction fees
- With interest-free financing option for balance transfers
- High rewards to be earned for each quarter
Cons
- No interest-free financing option for purchases
- High balance transfer and cash advance fees
- No introductory rewards
- Only available in 11 states: Ohio, Colorado, Florida, Illinois, Indiana, Kentucky, Michigan, Minnesota, Pennsylvania, West Virginia, and Wisconsin
- Unlimited employee cards: You can request an unlimited number of credit cards for your employees and create spend controls on these cards.
- Zero Liability Protection: Mastercard offers Zero Liability Protection, regardless of if the purchase was made in a store, over the phone, or online. You will not be held responsible for unauthorized purchases made with your card.
- Mastercard Global Service™: Mastercard will help assist you in reporting a lost or stolen card, obtain an emergency card replacement or cash advance, find the nearest ATM, and answer any other questions you may have on your account.
- 4X Rewards Points on the first $7,000 spent per quarter ($28,000 annually) on pre-determined categories
- 1% cash back on all other purchases
Pros
- Does not charge annual and foreign transaction fees
- With interest-free financing option for balance transfers
- High rewards to be earned for each quarter
Cons
- No interest-free financing option for purchases
- High balance transfer and cash advance fees
- No introductory rewards
- Only available in 11 states: Ohio, Colorado, Florida, Illinois, Indiana, Kentucky, Michigan, Minnesota, Pennsylvania, West Virginia, and Wisconsin
- Unlimited employee cards: You can request an unlimited number of credit cards for your employees and create spend controls on these cards.
- Zero Liability Protection: Mastercard offers Zero Liability Protection, regardless of if the purchase was made in a store, over the phone, or online. You will not be held responsible for unauthorized purchases made with your card.
- Mastercard Global Service™: Mastercard will help assist you in reporting a lost or stolen card, obtain an emergency card replacement or cash advance, find the nearest ATM, and answer any other questions you may have on your account.
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When grading cash back business credit cards like the Huntington Bank Voice Business Credit Card, we first consider the ongoing and introductory rewards. Then, we rate the annual fee, introductory and ongoing Annual Percentage Rates (APRs), other fees, and additional card benefits.
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Ongoing Rewards | 20 | 25 |
Introductory Rewards | 0 | 25 |
Annual Fee | 10 | 10 |
Additional Features | 8 | 10 |
Introductory APR | 5 | 10 |
Ongoing APR | 10 | 10 |
Other Fees | 7 | 10 |
Total Score | 60 | 100 |
Who the Huntington Bank Voice Business Credit Card Is Best For
- Those who want to choose the category for premium cash back: You can choose which among the 10 preselected categories will earn the 4% cash back. You can change your premium category per quarter, making it easy to maximize rewards.
- Businesses that spend up to $7,000 per quarter: You can earn the premium cash back on your chosen category of up to $7,000 per quarter, then 1% when the cap is reached.
- Those with Huntington Bank business checking accounts: Getting the card is advantageous if you have an active business checking account, as you can manage all of your financials within one bank. Learn more about the different checking accounts and their unique features by reading our Huntington Bank business checking review.
Huntington Bank Voice Business Credit Card Rewards
- 4% cash back on your chosen category on the first $7,000 purchases per quarter ($28,000 annually), which you can change per quarter. You can choose among the following:
- Gas stations
- Travel and entertainment
- Restaurants
- Discount and warehouse stores
- Grocery stores
- Utilities and office stores
- Electronics, computer, and camera stores
- Department, apparel, and sporting goods stores
- Home improvement stores
- Auto parts and services stores
- 1% cash back on all other purchases, and when the cap is reached
Huntington Bank Voice Business Credit Card Rewards Calculator
Do you want to know how much you will earn from Huntington Bank Voice Business Credit Card? Use our calculator to find out. Input your expected expenses based on the categories, and our calculator will do the rest.
How to Redeem Huntington Bank Voice Business Credit Card Rewards
You can redeem your earned rewards by logging in to your account or calling Huntington Bank’s customer service at 888-696-9982. Note that earned rewards are redeemed on a first-in, first-out basis.
Huntington Bank Voice Business Credit Card Features
- Mastercard ID Theft ProtectionTM: Monitor your credit file for changes that may be fraudulent in nature, get alert notifications on suspicious activities, and receive ID Theft Resolution.
- Mastercard Zero Liability ProtectionTM: Be protected from any unauthorized transactions (in-store, over the phone, online) made with your card.
- Unlimited employee cards: Request unlimited credit cards for your employees and create spend controls on those cards.
- Late Grace Fee®: Get an extra day to pay if you miss your due date. Note that Huntington Bank must receive your minimum payment a day after your scheduled due date to avoid a late charge.
Huntington Bank Voice Business Credit Card Fees
APR
- Introductory balance transfer: 0% for the first 12 billing cycles after opening an account on any balance transfer made within the first 90 days after account opening. Huntington Bank may end the introductory APR and apply the regular APR for balance transfers if all or a portion of your minimum monthly payment is over 60 days late.
- Ongoing for purchases: 15.74% to 26.74% variable, which adjusts with the prime rate (minimum interest charge is $1)
- Ongoing for balance transfers: 15.74% to 26.74% variable, which adjusts with the prime rate (minimum interest charge is $1)
- Cash advance: 28.74% variable, which adjusts with the prime rate
Fees
- Annual: None
- Balance transfer: Either $10 or 3% of the amount of each balance transfer, whichever is greater
- Cash advance: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Late payment and returned check: Up to $39
Your due date is at least 21 days after the close of each billing cycle.
- Phone: Call 800-372-7725 and follow the prompts to process your credit card payments. You can call Mondays to Thursdays, 8 a.m. to 11 p.m. Pacific time; Fridays, 8 a.m. to 9 p.m. PT; and Saturdays, 8 a.m. to 4 p.m. PT
- Mobile app: Pay via its iOS or Android mobile app.
- In-person: Visit the nearest Huntington Bank branch.
- Mail: Send the check to the following address:
Huntington National Bank
Attn: EA1W18
PO Box 182387
Columbus, OH 43218
Huntington Bank Voice Business Credit Card Alternatives
American Express Blue Business CashTM
The American Express Blue Business Cash™ Card
BEST FOR:
Those who want better cash back rewards
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% – 25.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% – 25.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
The American Express Blue Business CashTM is an excellent alternative if you are looking for a card that offers unlimited fixed-rate cash back rewards. It also offers expanded buying power, which lets you spend beyond your credit limit based on your card usage, payment history, credit record, and financial resources.
U.S. Bank Business Platinum Card
U.S. Bank Business Platinum Card
BEST FOR:
Extended 0% APR period on purchases
- 0% Intro APR on purchases 18 billing cycles. After that, a variable APR currently 17.24% - 26.24%.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
Pros
- With a long 0% introductory APR period on purchases
- Enjoy $0 annual fees
- Offers ExtendPay® Plan
Cons
- No introductory and ongoing rewards
- No 0% APR offer on balance transfers
- Needs Excellent/Good credit score to qualify
- SinglePoint® Essentials: SinglePoint® Essentials is U.S. Bank's one-stop tool for viewing account balances and transaction details, transferring funds between existing U.S. Bank accounts, downloading statements, and making payments.
- Fraud protection: U.S. Bank offers fraud protection to ensure the safety and security of all cardholders. To learn more about U.S. Bank's fraud protection services, you can set up a virtual appointment, call U.S. Bank, or go to the nearest U.S. Bank branch.
- ExtendPay® plan: This allows you to pay off balances over time by dividing eligible credit card purchases into affordable monthly payments with no interest—you only need to pay a fixed monthly fee. Visa Spend Clarity: Another tool that cardholders can use to track spending and manage finances is Visa Spend Clarity.
- 0% Intro APR on purchases 18 billing cycles. After that, a variable APR currently 17.24% - 26.24%.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
Pros
- With a long 0% introductory APR period on purchases
- Enjoy $0 annual fees
- Offers ExtendPay® Plan
Cons
- No introductory and ongoing rewards
- No 0% APR offer on balance transfers
- Needs Excellent/Good credit score to qualify
- SinglePoint® Essentials: SinglePoint® Essentials is U.S. Bank's one-stop tool for viewing account balances and transaction details, transferring funds between existing U.S. Bank accounts, downloading statements, and making payments.
- Fraud protection: U.S. Bank offers fraud protection to ensure the safety and security of all cardholders. To learn more about U.S. Bank's fraud protection services, you can set up a virtual appointment, call U.S. Bank, or go to the nearest U.S. Bank branch.
- ExtendPay® plan: This allows you to pay off balances over time by dividing eligible credit card purchases into affordable monthly payments with no interest—you only need to pay a fixed monthly fee. Visa Spend Clarity: Another tool that cardholders can use to track spending and manage finances is Visa Spend Clarity.
If you are intending to make large purchases and have no need of rewards, then we recommend the U.S. Bank Business Platinum Card. It offers a 0% introductory period on purchases for the first 18 billing cycles and allows you to pay over time through the U.S. Bank ExtendPay® Plan.
Ramp Credit Card
Ramp Credit Card
BEST FOR:
Those who are using Ramp as their main financial management tool
- Up to 1.5% cash back on purchases, regardless of spending categories
Pros
- Offers rewards for cardholders
- Does not charge additional fees
- Offers direct integrations to notable accounting tasks
Cons
- Requires paying balances in full each month
- Is unavailable to sole proprietors and unincorporated businesses
- Travel and emergency assistance services: Call the Benefit Administrator at (800) 397-9010 if you are in the United States or (303) 967-1093 if you are outside of the US if you need emergency assistance.
- Purchase security: Receive a maximum of $10,000 per claim and $50,000 per cardholder in cases of theft or damage to purchases made with your card.
- Auto rental collision damage waiver: When using this card for renting a car, you can be reimbursed for damages caused by theft or collision up to the Actual Cash Value of most rented cars. Note that rental periods of 31 consecutive days are covered.
- Extended warranty protection: Extend warranties for eligible purchases made with your covered account and/or rewards programs associated with your account.
- Up to 1.5% cash back on purchases, regardless of spending categories
Pros
- Offers rewards for cardholders
- Does not charge additional fees
- Offers direct integrations to notable accounting tasks
Cons
- Requires paying balances in full each month
- Is unavailable to sole proprietors and unincorporated businesses
- Travel and emergency assistance services: Call the Benefit Administrator at (800) 397-9010 if you are in the United States or (303) 967-1093 if you are outside of the US if you need emergency assistance.
- Purchase security: Receive a maximum of $10,000 per claim and $50,000 per cardholder in cases of theft or damage to purchases made with your card.
- Auto rental collision damage waiver: When using this card for renting a car, you can be reimbursed for damages caused by theft or collision up to the Actual Cash Value of most rented cars. Note that rental periods of 31 consecutive days are covered.
- Extended warranty protection: Extend warranties for eligible purchases made with your covered account and/or rewards programs associated with your account.
Consider the Ramp Credit Card if you prefer a corporate charge card, as you don’t want to incur credit debt. It offers 20x higher credit limits compared to traditional business credit cards and lets you earn unlimited fixed-rate cash back rewards on all purchases, regardless of expense categories.
Frequently Asked Questions (FAQs)
Yes, Huntington Bank lets you access your account through its online and mobile banking platforms. However, it’s worth noting that you need to visit a branch to open a credit card account. Also, there are branches in only a few states—namely Ohio, Colorado, Florida, Illinois, Indiana, Kentucky, Michigan, Minnesota, Pennsylvania, West Virginia, and Wisconsin.
Huntington Bank may either permit transactions that exceed your total credit by treating the amount exceeded as immediately due or decline the transaction. Note that you are responsible for the total balance on your account.
Bottom Line
The Huntington Voice Business Credit Card is a great card for those who want to maximize their cash back rewards as it lets you choose the category where you can earn the premium rate of 4% cash back. Note that this rate only applies to the first $7,000 purchases in your chosen category per quarter. You can change your premium category quarterly, letting you plan your purchases while maximizing rewards earned.
While it doesn’t have an interest-free financing option on purchases, you can take advantage of its 0% APR for 12 months on balance transfer transactions.
