Huntington Voice Business Credit Card Review
Tricia has nearly two decades of experience in commercial and federal government lending. Her expertise is highlighted throughout small business loan content on Fit Small Business.
Nancy Fernandez is a Credit Card and Insurance Expert at Fit Small Business, specializing in business credit cards and business insurance.
This article is part of a larger series on Best Small Business Credit Cards.
The Huntington Voice Business Credit Card is a small business credit card best for those who want to maximize cash back rewards. It offers 4% cash back on one of the 10 categories of your choice after spending $7,000 each quarter or $28,000 annually. If you exceed the limit, you can get 1% cash back on all other purchases.
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 CardSM
Intro APR
None
Regular APR
13.24% to 24.24% variable
Annual Fee
None
Credit Needed
Good to Excellent
- 4% cash back on the category of your choice after spending $7,000 per quarter, or $28,000 annually.
- 1% on all other purchases
Pros
- No annual and foreign transaction fees
- With interest-free financing option for balance transfers
Cons
- No interest-free financing option for purchases
- High balance transfer and cash advance fees
- No introductory rewards
- Only available in 11 states
- Unlimited employee cards: You can request for 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 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.
- Masrtercard Global ServiceTM: 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 any other questions you may have on your account.
Intro APR
None
Regular APR
13.24% to 24.24% variable
Annual Fee
None
Credit Needed
Good to Excellent
- 4% cash back on the category of your choice after spending $7,000 per quarter, or $28,000 annually.
- 1% on all other purchases
Pros
- No annual and foreign transaction fees
- With interest-free financing option for balance transfers
Cons
- No interest-free financing option for purchases
- High balance transfer and cash advance fees
- No introductory rewards
- Only available in 11 states
- Unlimited employee cards: You can request for 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 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.
- Masrtercard Global ServiceTM: 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 any other questions you may have on your account.
How We Evaluate Cash Back Business Credit Cards
When grading cash back business credit cards like the Huntington Bank Voice Business Credit CardSM, we give the most weight to ongoing rewards. Then we consider the introductory rewards, annual fee, introductory and ongoing annual percentage rates (APRs), and additional card benefits.
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Ongoing Rewards | 30 | 30 |
Introductory Rewards | 0 | 20 |
Annual Fee | 15 | 15 |
Additional Features | 15 | 15 |
Introductory APR | 5 | 10 |
Ongoing APR | 10 | 10 |
Total Score | 75 | `100 |
Who the Huntington Bank Voice Business Credit CardSM Is Best For
- Those who want to maximize their cash back rewards: Huntington Bank lets cardholders choose which among the 10 preselected categories will get the 4% cash back after spending $7,000 in a quarter. These categories can be changed per quarter, making it easier to maximize rewards.
If this card doesn’t fit your business needs, then read our guide on the best small business credit cards. Alternatively, you may want to check our Credit Card Marketplace to see our evaluation of other business credit cards.
Huntington Bank Voice Business Credit CardSM Fees
APR
- Introductory APR: 0% for the first 12 billing cycles after opening an account on any balance transfer made within the first 90 days after account opening.
- Ongoing APR for purchases and balance transfers: 13.24% to 24.24%, which adjusts with the prime rate
- Cash advance APR: 26.24%, which adjusts with the prime rate
- Due date: At least 21 days after the close of each billing cycle
- Minimum interest charge: No less than $1
Fees
- Annual fee: None
- Balance transfer and cash advance fees: Either $10 or 3% of the amount of each balance transfer/cash advance, whichever is greater
- Late payment and returned check fees: Up to $39
Huntington Bank Voice Business Credit CardSM Rewards
The Huntington Voice Business Credit Card offers a unique way of maximizing your rewards, as it lets you earn 4% cash back on the category of your choice after spending $7,000 per quarter or $28,000 annually. Your chosen category can be changed per quarter, letting you maximize the rewards being earned. A maximum of 28,000 points can be earned per quarter.
The predetermined categories qualified for the cash back rewards system are as follows:
- Gas stations
- Travel and entertainment
- Restaurants
- Discount and warehouse stores
- Grocery stores
- Utilities and office supply stores
- Electronics, computer, and camera stores
- Department, apparel, and sporting goods stores
- Home improvement stores
- Auto parts and service stores
On top of the 4% cash back received after making purchases in the category of your choice, you’ll also earn 1% cash back on all other purchases. All points earned in your business credit card can be gifted to another Voice Business Credit Card rewards account.
How To Make Payments on the Huntington Bank Voice Business Credit CardSM Fees
- 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: Another way to pay your credit card bills would be through its mobile app, which is available for both iOS and Android users
- In-person: You can search the nearest Huntington Bank branch to pay for your credit card bills
- Mail: Send the check to the following address:
Huntington National Bank
Attn: EA1W18
PO Box 182387
Columbus, OH 43218
Huntington Bank Voice Business Credit CardSM Features
- Unlimited employee cards: You can request an unlimited number of credit cards for your employees and create spend controls on those 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 won’t be held responsible for unauthorized purchases made with your card.
- 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 on changes that may be fraudulent in nature, get alert notifications on suspicious activities, and receive ID Theft Resolution.
Pros & Cons of the Huntington Bank Voice Business Credit CardSM
| PROS | CONS |
|---|---|
| Doesn’t charge annual and foreign transaction fees, lessening the payments needed to be made for using it | Has no interest-free financing option for purchases, although it does for balance transfers |
| Has 0% for 12 months on balance transfers made within 90 days from account opening date | Charges high balance transfer and cash advance fees, which is either $10 or 3% of the amount of each balance transfer/cash advance, whichever is greater |
| Doesn’t offer introductory awards for new cardholders | |
Huntington Bank Voice Business Credit CardSM Alternatives
American Express Blue Business CashTM
American Express Blue Business CashTM is our top cash back business credit card due to its 2% cash back rewards on the first $50,000 purchases made per calendar year, then 1% for all other purchases. All rewards earned are credited to your statement automatically. It also offers an interest-free financing option of 0% on purchases for the first 12 billing cycles and doesn’t charge any annual fees. It even provides a $250 statement credit after spending $3,000 within the first three months after opening an account.
American Express Blue Business Cash™ Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
Intro APR
0% on purchases
Regular APR
16.24% - 24.24% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 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.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.24% - 24.24%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- Welcome bonus
- Fixed rate rewards
- No 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.
Intro APR
0% on purchases
Regular APR
16.24% - 24.24% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 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.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.24% - 24.24%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- Welcome bonus
- Fixed rate rewards
- No 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.
Chase Ink Business Unlimited®
Chase Ink Business Unlimited® is our best small business credit card as it offers an unlimited 1.5% cash back on every dollar spent on any business purchase with no cap. These rewards can be redeemed for travel, gift cards, or cash back through the Chase Ultimate Rewards® program. And aside from offering an interest-free financing option of 0% APR on purchases for the first 12 billing cycles, it doesn’t charge any annual fees, making it our leading credit card for new businesses with no credit history.
Ink Business Unlimited® Credit Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Pocketing 1.5% cash back on every single purchase
Intro APR
0% Intro APR on Purchases
Regular APR
15.49% - 21.49% Variable
Annual Fee
$0
Credit Needed
- Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
Pros
- 0% introductory APR on purchases
- Unlimited cash back rewards on all purchases
Cons
- Introductory APR period doesn’t apply to balance transfers
- 5% balance transfer fee
- Charges foreign transaction fees
- Requires excellent credit to qualify
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes; it provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the US and abroad
- Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year
- Extended warranty protection: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or less
Intro APR
0% Intro APR on Purchases
Regular APR
15.49% - 21.49% Variable
Annual Fee
$0
Credit Needed
Good, Excellent
- Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
Pros
- 0% introductory APR on purchases
- Unlimited cash back rewards on all purchases
Cons
- Introductory APR period doesn’t apply to balance transfers
- 5% balance transfer fee
- Charges foreign transaction fees
- Requires excellent credit to qualify
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes; it provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the US and abroad
- Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year
- Extended warranty protection: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or less
PNC Cash Rewards® Visa Signature®
PNC Cash Rewards® Visa Signature® is a great alternative for those wanting 1.5% unlimited, fixed-rate cash back, regardless of the spending category. It made it to our evaluation of the best business credit cards with no annual fee and top business credit cards that don’t report to personal credit. It even offers a $400 bonus after spending $3,000 in qualifying purchases made within the first three months after account opening and has an interest-free financing option on purchases for the first nine billing cycles.
PNC Cash Rewards® Visa Signature® Business Credit Card
BEST FOR:
PNC Bank account holders who want to earn cash back rewards
Intro APR
0% for 9 billing cycles
Regular APR
13.24% to 22.24% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $250 cash bonus for spending $3,000 in the first three billing cycles
- 0% APR on purchases for the first nine billing cycles after opening an account
- Earn 1.5% cash back on all purchases
- No annual fee
Pros
- No annual fee
- Sign-up bonus
- Low ongoing APR
Cons
- Short 0% APR period
- No 0% APR period on balance transfers
- Online application not available for nonaccount holders
- Cash Flow Insight®: This tool helps you monitor your spending categories so that you can plan your budget.
- Business integrations: You can download your transactions into Excel®, Quicken® or QuickBooks®, or use .csv files.
- Visa Signature® benefits: This card comes with Visa travel benefits and protection for purchases.
Intro APR
0% for 9 billing cycles
Regular APR
13.24% to 22.24% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $250 cash bonus for spending $3,000 in the first three billing cycles
- 0% APR on purchases for the first nine billing cycles after opening an account
- Earn 1.5% cash back on all purchases
- No annual fee
Pros
- No annual fee
- Sign-up bonus
- Low ongoing APR
Cons
- Short 0% APR period
- No 0% APR period on balance transfers
- Online application not available for nonaccount holders
- Cash Flow Insight®: This tool helps you monitor your spending categories so that you can plan your budget.
- Business integrations: You can download your transactions into Excel®, Quicken® or QuickBooks®, or use .csv files.
- Visa Signature® benefits: This card comes with Visa travel benefits and protection for purchases.
Bottom Line
The Huntington Voice Business Credit Card is a great card for those wanting to maximize their cash back rewards as it lets you choose the category where the 4% cash back will fall into after spending $7,000 per quarter. This chosen category can be changed quarterly, letting you plan out your purchases while maximizing rewards earned. While it doesn’t have an interest-free financing option on purchases, it does have one for balance transfers.
If this isn’t right for your business, head over to our Credit Card Marketplace to find one that’s a better fit.
