Huntington Voice Rewards Credit Card℠ review

Huntington Voice Rewards Credit score Card℠: Overview

APR

• Intro: 0% APR for the primary 12 billing cycles on steadiness transfers made inside 90 days of account opening
• Buy: 15.24% to 29.24%, primarily based in your creditworthiness
• Steadiness switch: 0% for first 12 months, then 15.24% to 29.24%, primarily based in your creditworthiness, plus payment of $10 or 3% of the quantity transferred, whichever is larger
• Money advance: 29.24% plus payment of $10 or 3% of the money advance, whichever is larger
• Penalty: as much as a $40 late cost payment

Annual payment: $0

International transaction payment: None

The Huntington Voice Rewards Credit score Card℠ is exclusive in that it helps you to select what class  you wish to earn 3x factors. With no annual payment and a 0% intro APR as nicely, the cardboard has lots to supply. You’re even granted a in the future grace interval if you happen to neglect to make your cost.

Huntington Voice Rewards Credit score Card℠: Rewards

You get to earn rewards your means with the Huntington Voice Rewards Credit score Card℠. Select one in every of 10 classes by which you’ll get 3x factors again on each buy as much as $2,000 spent every quarter. All different purchases earn 1x factors.

The out there rewards classes are:

• Auto components and companies
• Division attire and sporting items shops
• Low cost and warehouse shops
• Digital, pc, and digicam shops
• Fuel stations
• Grocery shops
• Residence enchancment shops
• Eating places
• Journey and leisure
• Utilities and workplace provide shops

You may change your class each quarter. Every level is value one cent, so to get $5 again, you’ll have to earn 500 factors. Factors spherical up on purchases with a greenback quantity that ends in $0.50 or larger.

Huntington shoppers can earn 25% bonus factors by linking their Voice Rewards Credit score Card to an open Huntington Platinum Perks Checking, Private Administration Account, Non-public Consumer Account or SmartInvest Checking Account, or 5% bonus factors by linking their card to an open Huntington Perks Checking account.

Does Huntington Voice Rewards Credit score Card℠ provide a bonus?

The Huntington Voice Rewards Credit score Card℠ doesn’t provide a brand new cardmember bonus on the time of this writing.

redeem Huntington Voice Rewards Credit score Card℠ factors

Huntington Voice Rewards Credit score Card℠ gives many level redemption choices. You have to have not less than 25,000 factors to redeem them (or 18,750 factors and pay the distinction), however since factors by no means expire, so long as your account is open and in good standing, you may redeem them in any of the next methods:

• Money again
• Switch to a different Voice Shopper Rewards Credit score Card account
• Buy reward playing cards
• Merchandise
• Apple merchandise
• Flights
• Lodges
• Automotive leases
• Cruises
• Actions

Extra advantages

• Late payment grace interval: Get an additional day to make your cost if you happen to miss your due date.
• Card lock: You may lock and unlock your card by means of the cellular app or on-line banking web site for extra safety.
• Free FICO rating: Verify your FICO rating at no cost each month.
• No penalty APR: Your APR gained’t enhance as a consequence of missed funds or if you happen to exceed your credit score restrict.
• Contactless funds: Merely faucet your card to pay at eligible cost terminals for a sooner and safer checkout.

Is Huntington Voice Rewards Credit score Card℠ best for you?

Should you’ve ever wished you can select which classes you earn essentially the most rewards in, the Huntington Voice Rewards Credit score Card℠ is for you. Cardholders get to decide on one class from 10 out there choices by which to get 3x factors again. Mixed with no annual payment, this could make the Voice Rewards card a terrific rewards bank card.

The draw back to this card is that you simply solely get 3x factors in a single class—though you may change this class every quarter—and solely on the primary $2,000 spent every quarter. All different purchases earn solely 1x level, which equals one cent. So if you happen to’re a giant spender or wish to earn increased rewards in a number of classes, one other bank card could also be a more sensible choice.

Bank cards much like Huntington Voice Rewards Credit score Card℠

The Huntington Voice Rewards Credit score Card℠ is just one of many rewards bank cards to select from. Whereas it could be good to decide on your main rewards class, different playing cards provide increased rewards in a number of classes which will swimsuit you higher.

American Categorical Gold Card vs. Huntington Voice Rewards Credit score Card℠

The has a formidable rewards construction, but it surely comes at the price of a $250 annual payment. In trade for this payment, you get 4x factors at eating places and supermarkets, 3x factors on flights and 1x factors on all different purchases.

Just like the Huntington Voice card, the American Categorical® Gold Card has no overseas transaction payment, but it surely additionally has no intro APR. You do get month-to-month assertion credit with the American Categorical Gold Card that can be utilized towards eating credit or Uber money, plus a number of different advantages like baggage help and as much as $100 expertise credit score to make use of throughout a keep at The Resort Assortment.

Chase Freedom Limitless® Credit score Card vs. Huntington Voice Rewards Credit score Card℠

The Credit score Card is one other no annual payment money again card. You earn 5% money again on journey bought by means of Chase Final Rewards, 3% money again on eating (together with takeout and eligible supply service), 3% money again on drugstore purchases and 1.5% money again on all eligible purchases with no limits. 

It additionally offers cardholders extra advantages like prolonged guarantee and buy safety, journey insurance coverage and auto rental protection, however does have a overseas transaction payment.

Incessantly requested questions

What’s Huntington Voice Rewards?

The Huntington Voice Rewards Credit score Card℠ is likely one of the three Credit cards supplied by Huntington regional financial institution headquartered in Columbus, Ohio. The Huntington Voice Rewards card earns 3x factors in a single class of your selection.

How does the Huntington Voice Card work?

With the Huntington Voice Rewards Credit score Card℠, you select one class from 10 choices by which to get 3x factors on the primary $2,000 of purchases every quarter. All different purchases earn 1x factors.

What’s the rate of interest for the Huntington Voice Rewards Credit score Card℠?

The Huntington Voice Rewards Credit score Card℠ gives a 0% intro APR  for the primary 12 billing cycles on steadiness transfers made inside 90 days of account opening. Afterward, there’s a 15.24% to 29.24% APR for purchases and steadiness transfers.

Please notice that card particulars are correct as of the publish date, however are topic to alter at any time on the discretion of the issuer. Please contact the cardboard issuer to confirm charges, charges, and advantages earlier than making use of.