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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.
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| Intro APR | None |
|---|---|
| Regular APR | 15.74% to 26.74% variable |
| Annual Fee | None |
| Credit Needed | Good to Excellent |
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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
- Huntington Bank Voice Business Credit Card Rewards
- Huntington Bank Voice Business Credit Card Features
- Huntington Bank Voice Business Credit Card Fees
- Huntington Bank Voice Business Credit Card Alternatives
- The American Express Blue Business Cash™ Card
- Frequently Asked Questions (FAQs)
- Bottom Line
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.
See
below if this card isn’t the best fit for your business.
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.
Huntington Bank Voice Business Credit Card Rewards Calculator
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
The American Express Blue Business Cash™ Card
| Intro APR | 0% on purchases |
|---|---|
| Regular APR | 16.74% - 28.49% Variable |
| Annual Fee | No annual fee |
| Credit Needed | Excellent, Good |
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
| Intro APR | 0% intro on purchases for 12 billing cycles |
|---|---|
| Regular APR | 16.24% - 25.24% Variable |
| Annual Fee | $0 |
| Credit Needed | Excellent, Good |
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 12 billing cycles and allows you to pay over time through the U.S. Bank ExtendPay® Plan.
Ramp Credit Card
| Intro APR | None |
|---|---|
| Regular APR | None |
| Annual Fee | $0 |
| Credit Needed | Poor to Excellent |
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)
When opening an account, you can select a 4% cash back 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
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.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.
To see rates & fees for the American Express cardsFit Small Business may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened. mentioned in this article, reference the following links below:
American Express Blue Business CashTM Card
