How to apply for your Huntington Voice Rewards Credit Card

The Huntington Voice Rewards Credit Card stands as one of the most flexible rewards cards available in the United States. Issued by Huntington Bank, this Mastercard is designed for those who value the power of choice in their rewards structure.

Unlike other credit cards that predetermine your bonus categories, the Huntington Voice Rewards Credit Card puts you in the driver’s seat, allowing you to select one of ten categories every quarter for accelerated rewards. You can earn 3X points per dollar on your chosen category, up to $2,000 in purchases per quarter, and 1X point per dollar on all other purchases.

Beyond its customizable rewards, the card further distinguishes itself by charging no annual fee. A 0% introductory APR for 12 months on balance transfers (executed in the first 90 days) adds another valuable incentive, especially for those seeking to consolidate or pay down debt.

Huntington Bank also delivers robust digital and in-person support, ensuring strong customer satisfaction.

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Overview of the huntington voice rewards credit card: key features and benefits

Choosing the Huntington Voice Rewards Credit Card offers access to several attractive benefits, all centered around user empowerment and transparency:

• Customizable 3X points: Select one of 10 spending categories each quarter for triple rewards. Earn 3X points per dollar spent in your selected category and every other purchase earns a steady 1X point per dollar with no cap.
• No annual fee: Enjoy all card benefits without an annual charge.
• 0% introductory APR: 12 months of no interest on eligible balance transfers made within 90 days of account opening.
• Late fee grace: A unique Huntington feature that gives an extra day to make your payment after a missed due date without incurring a fee.
• User-friendly mobile experience: Track points, manage your account, and redeem rewards easily via digital banking tools.
• Security and fraud protection: Mastercard’s global fraud monitoring plus Huntington’s Confirm It alerts and digital monitoring services enhance your account security.

Detailed program and rewards

• 3X points earning: Select one of the following categories for triple rewards: auto parts/service, department/apparel/sporting goods, discount/warehouse stores, electronics/computers/cameras, gas stations, grocery stores, home improvement, restaurants, travel/entertainment, or utilities/office supplies.
• Quarterly flexibility: You may change your 3X category at the start of each quarter. Your selection can be updated online via your Huntington account a few weeks before each new quarter.
• 3X cap: Maximum 6,000 points earned at 3X per quarter ($2,000 in eligible spending); all other purchases at 1X. There is no cap on 1X points earning.
• Redemption: Points can be redeemed for cash, statement credit, gift cards, merchandise, or travel bookings. 2,500 points are typically the minimum for cash or gift card redemptions. Every point equals one cent.

Requirements – prerequisites to apply

To apply for the Huntington Voice Rewards Credit Card, applicants must:

• Be 18 years of age or older.
• Have a valid Social Security Number.
• Be a U.S. resident, with eligibility primarily for residents in CO, FL, IL, IN, KY, MI, MN, OH, PA, WV, and WI (Huntington’s core service areas).
• Provide a government-issued photo ID (such as a driver’s license or state ID).
• Meet creditworthiness standards; a good-to-excellent credit score is recommended for best rates/limits, though those with limited credit history may be considered.
• Consent to Huntington’s standard credit and identity verification processes.

About Huntington Bank – institution overview

Founded in Columbus, Ohio, in 1866, Huntington National Bank has evolved into a leading regional financial institution. Huntington now operates over 1,000 branches and employs more than 15,000 people, serving millions of customers across the Midwest and beyond. The bank is recognized for its community-first approach, digital innovation, and commitment to straightforward financial products.

Huntington consistently ranks among the nation’s most trusted regional banks, offering an extensive portfolio that includes personal and business banking, credit cards, mortgages, small business support, investment services, and wealth management. Its accolades for customer service and digital experiences underscore its dedication to accessible, reliable financial solutions. Community investment and inclusion are key tenets of the bank’s mission, making Huntington a respected name among U.S. financial institutions.

Who is this card for?

The Huntington Voice Rewards Credit Card is ideal for individuals seeking a customizable and transparent rewards structure. Typical cardholders include:

• Everyday spenders who want to maximize rewards in categories aligned with their changing priorities (e.g., groceries one quarter, travel the next).
• Individuals managing debt or planning balance transfers (thanks to the intro APR offer).
• Users looking for straightforward, easy-to-understand rewards without complicated redemption thresholds or restrictions.
• Residents of Huntington’s regional footprint seeking a relationship with a trusted institution offering digital and branch access.
• First-time credit card users or those rebuilding credit, given Huntington considers a broad range of credit profiles.

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Step-by-step guide to apply

1. Confirm your eligibility: Ensure you reside in an eligible state and meet age, ID, and credit requirements.
2. Access the online application: Visit the official application page at Credit Card Offers & Rewards | Huntington Bank.
3. Click “apply now”: Locate the green “Apply Now” button to start your secure application.
4. Submit required information: Provide personal details (name, address, SSN, income, employer) and verify identity.
5. Review and accept terms: Carefully read the cardholder agreement and privacy policy.
6. Consent and submit: Agree to a credit check for pre-qualification. Submit your application.
7. Approval: Receive an instant or follow-up response; if approved, your card and welcome kit will be mailed to you.
8. Set up online/mobile access: Register at Huntington Online Banking and download the Huntington Mobile App for iOS or Android.

Pros and cons of the Huntington Voice Rewards Credit Card

The Huntington Voice Rewards Credit Card offers a compelling mix of flexible rewards and cost-saving features, but it also comes with certain limitations that may not suit every type of cardholder. Here’s a breakdown of its main pros and cons:

Pros:

• No annual fee, lowering your cost of card ownership.
• Flexible, user-controlled bonus earning structure (choose your 3X category).
• Easy-to-understand, straightforward redemption at 1 cent per point.
• 0% intro APR on balance transfers helps with debt management.

Cons:

• 3X rewards are limited to $2,000 in spending per quarter; heavy spenders may find caps restrictive.
• No premium travel perks (like lounge access or travel credits).
• Variable APR after intro period can be high for lower credit scores (16.24%–28.24%).
• Full access geographically restricted to Huntington’s footprint.

How to activate the card

After receiving your Huntington Voice Rewards Credit Card, activate it by:

1. Calling the activation number printed on the sticker affixed to your card.
2. Activating via online banking after logging into your account.
3. Using the Huntington Mobile App (for iOS or Android).

Customer support can assist if you encounter issues during activation.

Fees and charges

Here’s a clear summary of the fees and charges associated with the Huntington Voice Rewards Credit Card:

• Annual Fee: None
• Purchase APR: 16.24%–28.24% (variable, based on creditworthiness and Prime Rate)
• Balance Transfer Fee: Greater of $10 or 3% of amount transferred
• Introductory APR: 0% on balance transfers for 12 months (for transfers made in the first 90 days)
• Cash Advance Fee: Greater of $10 or 3% of advance
• Cash Advance APR: 28.24% variable
• Late Payment Fee: Up to $40

For a full legal breakdown, review the Voice Credit Card Terms (PDF).

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Customer service

If you need support, use these channels:

• Website: Huntington Voice Rewards Credit Card
• Customer service phone: (800) 480-BANK (2265)
• Online chat: Via customer service center
• Email: Use the secure messaging system in online banking
• Branch locator: Find a branch