Note: Some information in this post might be outdated. For the most current documentation and updates, please refer to the product’s original page.

Huntington Bank Voice Rewards credit card earns 3x points on the first $2,000 spent in one of ten categories offered by the issuer. Cardholders can choose which category to adhere to for the quarter. After every quarter they must swap out categories.

The card is ideal for individuals seeking flexibility and who want to be able to choose between categories. Huntington Bank’s clients have access to a number of different categories to choose from such as the restaurants, grocery stores, gas stations, travel and entertainment, home improvement stores, and much more.

One big downside of this card is its availability. This card is only available in IN, KY, MI, OH, PA, IL, WV and WI. However, customers are covered by 24-hour assistance in case an emergency credit card replacement or cash advance turns up.

Have a look at some key numbers about this card.

With this credit card, categories rotate quarterly. Since most categories are related to convenient everyday expenses, you will always have options which fit in your spending routine. 

The categories have a set date to become available, and after a quarter they become ineligible for rewards. You will have to keep track of them because you can not access them on demand. It’s also worth pointing out that this card charges no annual fees in spite of all the benefits.

Keep an eye open for the difference between the two “Voice” brand credit cards. While one offers rewards, the other doesn’t. Their fundamental difference, however, is the interest rate. While the non-rewards card offers a 13.49% APR, the Voice Rewards credit card will charge you 27.49% if you carry a balance.

Now that you have been properly introduced to this card, let’s put pros and cons next to each other for comparison.

The Huntington Bank Voice Rewards credit card on average accepts applicants with at least a fair credit score. There have been reports of even people filing for bankruptcy who were able to get this card.

However, interest rates tend to become quite sour for people with credit scores in the 600s. So, ideally, you want to have a good credit score to get this card. Just to make sure you get the best deals. But if you don’t, you might be accepted as well.

After doing your due diligence and sifting through card offers you have decided the Huntington Bank Voice Rewards card is the one for you. Good! Now it’s time to file an application. Applying for this card is a simple and straightforward process which shouldn’t take you more than a few minutes.

To get your Huntington Bank Voice Rewards Go to Huntington’s website. At the top right corner of the page you will find a search box with a little magnifying glass in it. Clicking on the search box will reveal a dropdown menu where you will find the option “Credit Card”. Click on it.

On the next page, select the 3x Rewards Credit Card by clicking on “Apply Now”. The page will take you to step number 1 of getting your card. This is a menu where you should select your initial rewards category, as well as your card design. 

Once you hit the “Get Started” button, you will be directed to step number 2. The website will offer you to create a user name and a password. After you do that you must enter your personal info such as full name, home address, Social Security and a couple other things you should know by heart.

Once you finish filling up the application form, you must review all your data to make sure it’s accurate. Once the bank approves your account, you should receive the card in a couple of business days.

If your credit score is closer to good rather than fair, there are other options worth considering in the market. The SavorOne Rewards for Good Credit is suitable for individuals seeking to maximize cash back rewards on grocery stores, entertainment, streaming services and dining. 

The card offers 3% earnings on the above mentioned categories with no spending cap. It also offers unlimited 1% on every other purchase you make, plus 8% on tickets bought at Vivid Seats in 2023. All of this at no annual fee.

Have a look at the comparative table below.