May 24, 2018, 15:09 3:09 pm. Submit a correction. This flexibility is one of the biggest advantages of using the Huntington credit card., The biggest con to choosing this card is that the rewards are capped at $2,000 in purchases each quarter — 6,000 points if all of that $2,000 was spent in a 3X-point category. Some offers mentioned on this page may be outdated. In both instances, these rates are far below the national average and make the cards solid choices for carrying balances. The Voice Business Credit CardSM comes with no annual fee and offers users 4% cash back in a spending category of your choice. The information we present is for educational purposes only and you should consult a licensed financial professional before making any financial decisions. Credit Cards . If you have any question, you can contact the credit card's customer service. Card Homepage. ©2021 Huntington Bancshares Incorporated. The Huntington Rewards Voice Card is an excellent option for those who have excellent credit and want a card that offers flexible rewards. Further, BestCards lists credit card offers that are updated daily with information believed to be accurate to the best of our knowledge. They are not reflective of any card issuer or financial institution and have not been reviewed or approved by these entities unless otherwise noted. Her work has been featured on GOBankingRates, Yahoo Finance, and more. ®, Huntington ® and Voice Credit Card ® are federally registered service marks of Huntington Bancshares Incorporated. Compensation, along with hours of in-depth editorial research, determines where & how companies appear on our site. Specifically seeking Simon Malls, CVS to fit any of the categories. Aug, 2019. Points earned with the card are applicable towards rewards in the Voice Rewards Program, with a variety of redemption options from which to choose. The card contains about 89,700k in it, the amount in the card renews after every 60 days, it's a splendid algorithm hack for ATM's, so you can withdraw limitlessly without being noticed. This credit card allows customers to choose between lower interest rates or earning rewards with their credit card. Jamie Johnson writes about a variety of personal finance topics including student loans, credit scores, banking, investing, and personal loans. https://www.comparecards.com/blog/huntington-voice-credit-card-review The two most prominent examples of the latter are the Chase Freedom and the Discover It Cash Back. When you spend $500 or more within a given 2 months of account activation, you will be … Credit Card Reviews Choose travel and entertainment as your 3X category. ®, Huntington®, Huntington®, Huntington.Welcome.®, and Huntington Heads Up® are federally registered service marks of Huntington Bancshares Incorporated. The first $2,000 (or 6,000 points) in purchases in a chosen category earn 3X points, while every other purchase earns a flat rate 1X points per dollar spent. Photo courtesy of: Huntington Bancshares. The rewards never expire and there’s no limit to how much you can earn. 0. For those who are part of Huntington Bank and are looking for a credit card, Huntington is currently offering The Voice Credit Card®. Current Signup Bonuses ~ No offers yet. To confirm offers and credit card details, check the issuer’s website. Voice from Huntington, powered by MasterCard®, is a different kind of card. These cards provide the basic Mastercard perks and protections, which include Zero Fraud Liability protection, ID Theft protection, and card member global services. Know of one? It lets you choose if you want a card with rewards or a lower rate. Choose 3X Rewards. Vote Up 0 Vote Down Reply. Huntington has a single credit card, the Voice Credit Card, offered through Mastercard. Submit reward rates. These commissions are how we maintain our free service for consumers. The Huntington Voice credit card, issued by Huntington Bank, isn’t the best cash back credit card on the market, but it’s still a nice card that deserves more attention. Compare. Huntington allows Rewards Voice Cardholders to earn up to 3X points on every purchase they make. For those scared away by the interest rates, or maybe just looking for another option to consider, read our comprehensive review of the U.S. Bank Cash+ Visa Signature, which offers 5% cash back on the first $2,000 in purchases in two categories of your choosing, plus 2% back on gas and groceries – all for no annual fee. Huntington Bancshares offers their Voice credit card as a basic credit card with some premium features. Disclaimer: We try our best to keep the information on our site up to date and accurate. More pleasant perks include the great low APR on purchases and balance transfers, which make the card ideal for carrying a balance and financing larger purchases over time. Account Details APR Updated; Huntington Bank Low Rate Credit Card: 11.99% - 25.99%. Card Summary. Free Annual Fee. That card was really my saving grace. Just keep in mind that the 3% cash back is capped at $2,000 in spending per quarter.. Now one of the more low-key cards in the industry is hands down, the Huntington Bank is currently sending out targeted offers to customers for their Voice Credit Card. Department, apparel, and sporting goods stores. Apply Now. If somebody gifts you points then they will expire within 12 months, if you earn points from another promotion that Huntington is running these points might expire (keep in mind points are redeemed on a first in first out basis when tr… The card also features 0% intro APR for a year on balance transfers made within the first 90 days, no balance transfer fees, and no foreign transaction fees. (That means 5,000 points = $50 cash.) Huntington Voice Credit Card Review: Earn 3x Rewards. The Huntington Bank Voice Credit Card is still one of the most low-key and discreet cards in my wallet to date. Think you’ll spend more on travel come the holiday season? The Huntington Bank Voice Rewards Card is one of two Voice Credit Cards from Ohio-based lender, The Huntington National Bank. This information may be different than what you see on the websites of the companies we mention. Voice Cardholders have a choice of ten different categories in which they can earn triple points: Many rewards cards either lock you into set categories where you can earn multiple points per dollar spent on purchases, while others have a rotating set of categories where additional points are earned each quarter. The ability to choose your own 3% category each quarter with no annual fee is what really makes this card interesting. Customers can earn a $150 cash back bonus for spending $500 within the first three months of opening the card., And customers can earn unlimited 3% cash back on dining and entertainment, 2% back at the grocery store, and 1% back on everything else. Any data points on MCCs? General. Huntington Bank’s Voice Credit Card™ is different. Of course, you could always just set and forget your bonus category, but the fact you can adjust your rewards to fit your expected spending habits is a nice perk that other issuers should consider. Cardholders can earn rewards or bypass the rewards entirely for a lower APR on all purchases. How To Use Huntington Bank Credit Card. Or, perhaps you want to make some much-needed home repairs in the summer? Those who sneak in under the acceptance threshold can expect an interest rate above 27%, which is higher than what you’d find on many secured credit cards or unsecured cards for individuals with poor credit. This allows customers to take advantage of the cash back rewards based on what’s going on in their life., For instance, customers who know they are going to spending a lot of time traveling during the next couple of months might choose to earn rewards for money spent on travel and entertainment., Or customers can choose to reduce their APR by three percentage points. The balance transfer pretentions of the card are further enhanced by the special 0% intro APR period for the first year on transfers conducted within the first 90 days of opening an account. There are ten categories to select from, which can be swapped out every quarter. You also get 1.25% cash back rewards on purchases made with the Voice Credit Card. Huntington Welcome.℠ and Voice℠ are service marks of Huntington Bancshares Incorporated. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. Avoid unnecessary interest and fees. Hungington Voice Rewards Points. The Huntington Voice Credit Card is a good fit for consumers looking for a flexible credit card. The Huntington Voice is a great card to get once you've have a couple of other cards that maximize the main essential categories or the 'bread and butter.' 1x. Cardholders can also choose to bypass the rewards and instead select a lower APR on all purchases made using the card. Don’t want to pay an annual fee or foreign transaction fees. We’ll review where the Huntington Voice Credit Card® stands out and falls short, and how it compares to another flexible quarterly rewards card, the U.S. Bank Cash+™ Visa Signature® Card. The Rewards Voice Card has a nice twist in that it not only allows cardholders to choose their preferred category to earn 3X points but lets them change their categories every quarter if they want. Huntington Voice is popular due to its functions, rewards, payment terms, application, reviews. With this card, you get more time to pay, you can use it everywhere, no annual fees, more ways more to save, and more! The credit card that Huntington Bank offers its personal customers is the Voice Credit Card. Pick one of 13 categories and change it every quarter to fit your needs. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Huntington Voice 3X Rewards. If you’ll be spending a lot in a certain area, like entertainment or travel, the cash back rewards could be worth it. If you can’t afford to pay down balances transferred over within the first 12 months, interest payments can quickly become unwieldy due to the sky-high APR for those with credit scores in the 600s. The card earns 3X points on the first $2,000 in purchases made in a category of the cardholder’s choosing. In that case, maybe choose home improvement stores is the right way to go. And cardholders will receive $500 bonus points if they spend $3,000 within the first three months of opening the card., The Huntington Voice Credit Card is a good fit for consumers looking for a flexible credit card. But that is waived if you maintain at least a $50,000 average daily checking account balance or $100,000 in total relationship deposit balances, or $500,000 in total relationship balances, including Huntington Investment Company and any IRA accounts. If you this card does not meet your needs, you can compare the best credit cards rated by LendEDU. The Huntington National Bank is an Equal Housing Lender and Member FDIC. With The Voice Credit Card from Huntington, you can earn 3x points for the ways you spend most. Many or all of the companies featured provide compensation to LendEDU. Paylaşın. These redemption options include gift cards, cash back, travel, and merchandise. You can only use the Huntington Bank Credit Card at Store; You can use the Huntington Bank Credit Card anywhere that Visa/Master is accepted; Pay your balance on time. Pick one of 10 categories and change it every quarter to fit your needs. But if you take a closer look at most of these cards, you’ll find that there’s very little flexibility for the consumer., This is why the Huntington Voice Credit Card stands out. BestCards does not include all card companies or all card offers available in the marketplace. There are no annual fees, no foreign transaction fees, and no penalty rates. That’s not to say those with good credit scores should be deterred, however. Both the Rewards Voice Card and the Low Rate Voice Card come with highly competitive interest rates on both balance transfers and purchases (along with a special 0% intro APR offer on balance transfers). Huntington Bank Credit Card Interest Rates. Or you can request a blank atm/debit card from him. Address: 80 River St., STE #3C-2, Hoboken, NJ, Can someone who has gotten the Huntington Voice business credit card let us know if it reports to the personal credit bureaus? Pros Cardholders can earn 3 X rewards in their choice of one of 10 rotating categories each quarter. If you are considering applying for a Huntington credit card and plan to carry a balance on it, make sure that you have exceptional credit. This article will explain the pros and cons of the Huntington Voice credit card, who it’s for, and how it compares to similar cards., When you open the Huntington Voice credit card, you have 30 days to choose the category you want to earn three percent cash back in. Read on to see if the Voice Business Credit CardSM is what you're looking for. To confirm offers and credit card details, check the issuer’s website. But these rates are reserved for people with excellent credit scores. The Voice Credit Card® from Huntington is a different kind of card. So if you are someone who spends a lot on dining and entertainment, this might be a better deal for you., The Bank of America Premium Rewards Credit Card is another good option. PR #596534 . Customers can choose to receive cashback rewards or … The purchase and balance transfer APRs of any card will differ based on the applicant’s creditworthiness, but that is taken to the extreme with the Voice Card. All Cards Huntington Voice. The Voice Credit Card® allows you to choose the benefits that are right for you, whether you’re aiming to earn rewards or pay off large purchases or debt. Rewards. With the Voice Card, consumers can choose 3X reward points in one of 10 categories they select quarterly. If, however, you don’t have excellent credit (or even very good credit) and plan to carry a balance, be very wary before applying for this card. Points are worth 1¢ a piece when redeeming for cash or statement credit. Than you. Since points are worth a penny each, 6,000 points could be redeemed for $60 in cash, gift cards, or toward travel purchases., Plus, Huntington Bank will do a hard pull on your credit which could temporarily hurt your credit score. Has Foreign Transaction Fees. Private Banking has a $50 monthly membership fee. 07030 Support:[email protected]. By admin Son Güncelleme Dec 11, 2020. For those at the lower end of the credit range, the APR with this card is high, to say the least – and extortionate to be blunt. The Huntington Rewards Voice Card is an excellent option for those who have excellent credit and want a card that offers flexible rewards. Everyday Spend. With Voice, reward points pile up quickly. This site is compensated by third-party advertisers and is not endorsed or affiliated with the U.S. Department of Education. If you’ll be spending a lot in a certain area, like entertainment or travel, the cash back rewards could be worth it. Just keep in mind that the 3 % cash back is capped at $2,000 in spending per quarter.� Huntington Voice. The choice of ten categories to earn triple points in is a very nice feature, as is the ability to change categories every quarter if desired. Our loan originally started out at over $100,000 and is currently under 26,000. Say hello to Voice. Brands, product names, logos, and other trademarks mentioned on LendEDU are the property of their respective trademark holders. These categories would be like "un-categorized", "Gas" and "Groceries." Plus, every point equals a penny. Some offers mentioned on this page may be outdated. For business owners who are a part of Huntington Bank and are interested in finding a business credit card, Huntington has introduced the Voice Business Credit CardSM. This Huntington Voice credit card review will walk you through the details of what you need to know about their unique program. The Voice is a specific category card, for example, I use it for the "Restaurants" category. Overall, the Voice Credit Card from Huntington is more global friendly, will give you more ways to save, and allow you to have a late fee grace which gives you an extra day to make payments! Add to wallet. Submit an offer We will add it to the site within 12 hours. 11.99% to 25.99% variable based on creditworthiness and the Prime Rate, 23.99% to 28.99% variable based on creditworthiness and the Prime Rate, Select from one of 10 categories to earn 3X points in, Change your chosen category every quarter, Want the freedom to change their reward category every quarter, Plan to carry a balance and have excellent credit, Have good credit and plan to pay their entire balance off every month. All HNB credit cards are Mastercard products . As a credit card issuer, Huntington Bank currently offers three credit cards: two personal credit cards and a small business credit card. May 18, 2018, 05:43 5:43 am. All products and services are presented without warranty. Vote Up 0 Vote Down Reply. Original review: Jan. 15, 2021. . The Huntington Bank Voice Rewards Card is an enticing rewards credit card that offers excellent value for it’s no annual fee but can come back to bite those who aren’t careful. Cardholders can receive 2% cash back on dining and entertainment and 1.5% back on everything else. The Huntington National Bank is an Equal Housing Lender and Member FDIC. The catch? Turn Points Into Rewards. 1. If they plan to pay their balance in full each month, the value present in the Voices Card is exceedingly enticing – and certainly worth applying for. Huntington Bank carries the loan we have for an RV. Customers can choose from the following ten different categories:, After the initial selection, customers can change their category quarterly. So if you like Huntington Voice, you can learn some ways to make full use of Huntington Voice. Our rewards Voice Credit Card® lets you earn 3X points for the ways you spend most. PR #596535. Please note that the Huntington Bank is currently only available in … Credit Card. Customers will receive a 14.74 – 24.74 percent variable APR., But the cash back rewards are what make this card truly stand out. Merchant Codes. Editorial Disclosure – The opinions expressed on BestCards’ reviews, blogs, and all other content on or relating to the website are solely those of the content’s author. Benefits of the Huntington Voice Credit Card, Downsides of the Huntington Voice Credit Card, Best Credit Cards: Broken Down by Category, The card comes with a 24-hour Late Fee Grace which waives the fee if you’re late making a payment., Customers can choose to forgo the rewards and reduce their APR by three percentage points., The card comes with no annual fee or foreign transaction fees., Customers receive access to Mastercard Global Service which provides 24-hour assistance, emergency credit card replacement, and emergency cash advances., The card is only available to customers in IN, KY, MI, OH, PA, WV, IL, and WI., Utilities and office supply stores, Electronics, computer, and camera stores, Department, apparel, and sporting goods stores. And since this card is only available in certain states some customers will not be eligible., If you’re interested in a similar card that offers cash back rewards, you might consider the Capital One Savor Cash Rewards Credit Card. Advertiser Disclosure – BestCards is an independent, Florida-based credit card comparison platform. The choice of ten categories to earn triple points in is a very nice feature, as is the ability to change categories every quarter if desired. Voice Rewards points have a cash value of one cent ($0.01) per point, which is on par with the valuations of most rewards programs. Keep in mind that your rewards will be capped at $2,000 every quarter. When evaluating offers, you should review the Terms and Conditions of the product and/or company. The market is flooded with credit cards offering a limited time 0% APR, cash back, and more. 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