Huntington Voice Business Credit Card Review for 2023
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.
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.
Huntington Bank provides full-service banking services 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
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:
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
- No 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 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
- No 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 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 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 | 10 | 15 |
Introductory APR | 5 | 10 |
Ongoing APR | 8 | 10 |
Total Score | 68 | `100 |
Who the Huntington Bank Voice Business Credit Card 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 4X Rewards Points after spending $7,000 in a quarter. These categories can be changed per quarter, making it easy to maximize rewards.
- Those with existing business checking accounts with Huntington Bank: 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 review of Huntington Bank’s business checking.
See our recommended alternatives below if this card isn’t the best fit for your business.
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 balance transfer: 15.74% to 26.74% variable, which adjusts with the prime rate
- Cash advance: 28.74% variable, which adjusts with the prime rate
Fees
- Minimum interest charge: No less than $1
- 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.
Huntington Bank Voice Business Credit Card Rewards
- 4X Rewards Points on the first $7,000 spent per quarter ($28,000 annually) on the following predetermined categories:
- 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
When opening an account, you can select a 4X Rewards category. You can change the category at any time until 11:59 p.m. Eastern time on the last day of the current quarter, and note that this will only take effect once the next quarter begins.
Each quarter begins on the following dates:
- First quarter: January 1
- Second quarter: April 1
- Third quarter: July 1
- Fourth quarter: October 1
Earned points and rewards can be redeemed for flight credits, gift cards, and merchandise. Another option is gifting your earned points to another Voice Business Credit Card, which will be subjected to any minimum point threshold and other parameters established by Huntington Bank.
How To Make Payments on the Huntington Bank Voice Business Credit Card
- 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 Features
- 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.
- 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.
Huntington Bank Voice Business Credit Card Alternatives
American Express Blue Business CashTM
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.
BEST FOR:
Those who want better cash back rewards
Intro APR
0% on purchases
Regular APR
18.24% - 26.24% 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, 18.24% - 26.24%, 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
18.24% - 26.24% 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, 18.24% - 26.24%, 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.
- Is a viable option for those who may exceed their credit limit and want a straightforward cash back rewards system
- Offers expanded buying power, which allows you to spend over your credit limit; note that the amount you can spend depends on your card usage, payment history, credit score, and financial resources
- 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
- Is on our list of the:
Chase Ink Business Unlimited®
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
17.99% - 23.99% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $750 bonus cash back after you spend $6,000 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.
- Round-the-clock monitoring for unusual credit card purchases
- 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
- Member FDIC
Pros
- With interest-free financing option on purchases
- Fixed unlimited cash back on all purchases
Cons
- Does not have interest-free financing option on balance transfers
- Charges high foreign transaction fees
- Auto rental collision damage waiver: You can decline the company’s collision insurance and charge the entire rental cost to this card.
- Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
- Purchase protection: You can ensure that your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Zero liability protection: Chase will not hold you responsible for unauthorized transactions made with both your card and your account information.
- Cellphone protection: Receive up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees included in your monthly cellphone bills when using your card to pay for it. This applies for a maximum of three claims within a 12-month period and will charge a $100 deductible per claim.
Intro APR
0% Intro APR on Purchases
Regular APR
17.99% - 23.99% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $750 bonus cash back after you spend $6,000 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.
- Round-the-clock monitoring for unusual credit card purchases
- 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
- Member FDIC
Pros
- With interest-free financing option on purchases
- Fixed unlimited cash back on all purchases
Cons
- Does not have interest-free financing option on balance transfers
- Charges high foreign transaction fees
- Auto rental collision damage waiver: You can decline the company’s collision insurance and charge the entire rental cost to this card.
- Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
- Purchase protection: You can ensure that your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Zero liability protection: Chase will not hold you responsible for unauthorized transactions made with both your card and your account information.
- Cellphone protection: Receive up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees included in your monthly cellphone bills when using your card to pay for it. This applies for a maximum of three claims within a 12-month period and will charge a $100 deductible per claim.
- Is best if you want a fixed rate reward as it lets you earn unlimited 1.5% cash back on all business-related purchases
- Offers 0% APR on purchases for the first 12 billing cycles
- Does not charge annual fees
- Is one of our:
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
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:
0% APR for 15 billing cycles
Intro APR
Regular APR
18.99% - 27.99% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 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
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 18.99% - 27.99%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- 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.
Intro APR
Regular APR
18.99% - 27.99% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 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
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 18.99% - 27.99%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- 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.
- Is a great choice if you want a longer 0% introductory APR and on purchases and balance transfers (first 15 billing cycles)
- Does not charge annual fees
- Lets you earn
- 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
- Made it to our roundups of the:
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 4X Rewards Points will fall after spending $7,000 per quarter. This chosen category can be changed quarterly, letting you plan 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.
