Editor’s note: This is a recurring post with regularly updated card details.
Huntington Voice Business Credit Card is a great option for those who want to choose the expense category where they could 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. On top of that, it doesn’t charge 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, Colorado, Florida, Illinois, Indiana, Kentucky, Michigan, Minnesota, Pennsylvania, West Virginia, and Wisconsin.
If you wish to compare one card over another, select a maximum of three cards on this page and click Add to compare to view the details in a side-by-side comparison.
Huntington Bank Voice Business Credit Card
BEST FOR:
Those with existing checking account with Huntington Bank
Intro APR
None
Regular APR
15.74% to 26.74% variable
Annual Fee
None
Credit Needed
Good to Excellent
- 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.
Intro APR
None
Regular APR
15.74% to 26.74% variable
Annual Fee
None
Credit Needed
Good to Excellent
- 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.
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
- Business owners 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.
- Business owners 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.
See our recommended alternatives below if this card isn’t the best fit for your business. Alternatively, you may also check other options from our guide to the best small business credit cards.
Huntington Bank Voice Business Credit Card Rewards
- 4% cash back on your chosen category on the first $7,000 purchases per quarter, 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 cash back for flight credits, gift cards, and merchandise. You can also transfer your rewards to another Voice Business Credit Card, but this is subject to any minimum point threshold and other parameters established by Huntington Bank.
Huntington Bank Voice Business Credit Card Features
Mastercard Benefits
- Mastercard Global ServiceTM: This lets you get emergency assistance virtually anywhere, anytime, and in any language. Mastercard will help assist you in reporting a lost or stolen card, obtaining an emergency card replacement or cash advance, and finding the nearest ATM. It’ll also answer any questions you may have.
- Mastercard ID Theft ProtectionTM: Cardholders can monitor their credit file for changes that may be fraudulent in nature, get alert notifications on suspicious activities, and receive ID Theft Resolution.
- Mastercard Airport ConciergeTM: You can enjoy a 15% savings on Airport Meet and Greet services and arrange a personal, dedicated Meet and Greet agent to escort you through the airport on departure, arrival, or any connecting flights.
- Mastercard SecureCode: This is a free card protection service provided by Huntington Bank in association with Mastercard worldwide. A one-time password (OTP) is provided as protection against unauthorized use of your Huntington Bank Voice Business Credit Card when purchasing online.
Other Benefits
- Unlimited employee cards: You can request an unlimited number of credit cards for your employees and create spend controls on those cards.
- Late Grace Fee®: You can 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 and balance transfers: 16.24% to 27.24% variable, which adjusts with the prime rate (minimum interest charge is $1)
- Cash advance: 29.24% variable, which adjusts with the prime rate
Fees
- Annual: None
- Balance transfer and cash advance: Either $10 or 3% of the amount of each balance transfer/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
Intro APR
0% on purchases
Regular APR
18.49% - 26.49% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- 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, 18.49% - 26.49%, 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.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- 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.)
Intro APR
0% on purchases
Regular APR
18.49% - 26.49% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- 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, 18.49% - 26.49%, 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.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- 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.)
When To Consider American Express Blue Business CashTM
- You need to spend over your credit limit: The card features Expanded Buying Power, allowing you to exceed your credit limit when you need to. The amount you can spend adjusts based on your credit usage, credit score, payment behavior, and other financial factors.
- You prefer to earn automatic cash back: The cash back you earn will be credited automatically as a statement credit without the need for manual redemption.
Other Benefits
- Charges $0 annual fee
- Lets you earn 2% cash back on all eligible purchases of up to $50,000 per calendar year, then 1% after that
- Has a 0% introductory APR on purchases for the first 12 months
- Offers a $250 statement credit after you spend $3,000 in your first three months
It is our top business card for cash back because of its straightforward reward structure and other valuable benefits.
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
Those wanting to earn up to 5% cash back with long 0% APR period
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
18.99% - 27.99% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
18.99% - 27.99% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
When To Consider U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
- You need a long 0% APR period: It offers interest-free financing on purchases for the first 12 billing cycles—this is one of the longest 0% APR periods available in small business credit cards.
- You pay for recurring software subscriptions: You will receive a $100 statement credit for software purchases per year, helping you save money for your business.
Other Benefits
- Charges $0 annual fee
- Lets you earn generous rewards:
- 5% cash back on prepaid hotels and car rentals directly booked in the Travel Rewards Center
- 3% cash back on eligible purchases at gas and electric vehicle (EV) charging stations, office supply stores, cell phone service providers, and restaurants
- 1% cash back on all other eligible purchases
- Offers $750 bonus cash back when you spend $6,000 in the first 180 days after opening an account
- Features ExtendPay® Plan, which lets you divide your eligible balance into monthly installments without interest—just pay a fixed monthly fee
It is our leading business card with no annual fee because of its lucrative rewards and other features that let you save on credit costs.
Bank of America Business Advantage Travel Rewards World Mastercard®
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
BEST FOR:
Earning top rewards on travel purchases booked through Bank of America Travel Center
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No limit to the amount of points you can earn and points don't expire as long as your account remains open.
- No annual fee and no international transaction fees.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Charges $0 annual and foreign transaction fees
- Offers fixed-rate cash back rewards
- Has no blackout dates
Cons
- Does not offer a 0% introductory period on balance transfers
- Requires excellent credit to qualify
- Bank of America doesn’t disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No limit to the amount of points you can earn and points don't expire as long as your account remains open.
- No annual fee and no international transaction fees.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Charges $0 annual and foreign transaction fees
- Offers fixed-rate cash back rewards
- Has no blackout dates
Cons
- Does not offer a 0% introductory period on balance transfers
- Requires excellent credit to qualify
- Bank of America doesn’t disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.
When To Consider Bank of America Business Advantage Travel Rewards World Mastercard®
- You travel frequently: The card lets you earn travel rewards on your purchases. It also comes with travel perks that can be useful if you travel often.
- You bank with Bank of America: You can earn up to 75% more rewards when you have an existing Bank of America business checking account and can qualify for the Preferred Rewards for Business program.
Other Benefits
- Charges $0 annual fee
- Comes with 0% APR on purchases for the first nine billing cycles
- Offers 30,000 bonus points after you make $3,000 in purchases within the first 90 days after opening an account
- Lets you earn unlimited 1.5 points for every $1 you spend on all purchases
- Lets you redeem points for a statement credit to offset travel and dining purchases, travel without blackout dates at the Bank of America Travel Center, cash back as a deposit to your account, or gift cards
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.
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.
