How to Apply for your Huntington Voice Rewards Credit Card
Pick the Huntington Voice Rewards Credit Card and get benefits with every purchase. Rewards for travel, unique deals, and cash back are a treasure trove. Spending adds up to savings and experiences that will last a lifetime, whether you’re buying necessities or your ideal vacation. Enhanced fraud protection technology ensures the safety of every transaction, allowing you to rest easy. Safeguards are in place to keep users’ financial data secure at all times. The card has uses beyond making purchases. Finding one’s own financial independence is possible there. Cardholders have full command of their accounts through an easy-to-use web banking platform and mobile app, which facilitates uncomplicated budgeting, purchases tracking, and overall financial management.
An attractive rewards credit card alternative that doesn’t cost anything per year is the Huntington Bank Voice Rewards Card. Every transaction you make with your Voice Rewards Card might earn you up to three times as many points. All purchases earn a flat rate of 1X points, except inside a designated category, which earns 3X points.
Users can select from a range of ten different categories to capitalize on their rewards potential. These include gas stations, travel and entertainment, restaurants, discount and warehouse stores, grocery stores, utilities and office supply stores, electronics stores, department, apparel, and sporting goods stores, auto parts stores, and home improvement stores.
Benefits of Huntington Voice Rewards Credit Card
Earn 3x points per dollar in category you choose
The Huntington Voice Rewards Credit Card is designed to put you firmly in control of your rewards. With this card, you have the freedom to choose your bonus category, where you’ll earn 3x points on up to $2,000 spent in purchases each quarter, reverting to 1x point per transaction thereafter. What’s more, this flexibility extends to allowing you to switch your chosen category every quarter, ensuring that your rewards align with your evolving spending patterns.
Currently, the available categories cover a wide spectrum of spending:
- Gas stations
- Travel and entertainment
- Restaurants
- Discount and warehouse stores
- Grocery stores
- Utilities and office supply stores
- Electronics
- Department, apparel, and sporting goods stores
- Auto parts and service stores
No Annual Card Fee
One notable advantage of the Huntington Voice Rewards Credit Card is its absence of an annual card fee. This means that you won’t incur any charges solely for maintaining your account. This feature is particularly beneficial for a card with only one bonus category, as you can utilize the card exclusively for those purchases. Meanwhile, you can utilize other cards with higher rates for purchases in more common bonus categories. Even if you’re unable to fully maximize your bonus category, the lack of an annual fee ensures that you’re still in a favorable position financially, as there’s no fee to offset your rewards.
No Foreign Transaction Fees
While many cash cards charge up to 3% in foreign transaction fees, you pay 0% with the Huntington Voice Rewards Credit Card. This can be very handy for people who travel, but also online shoppers. That’s because foreign transaction fees can apply to any purchase in a foreign currency or transactions in U.S. dollars that route through a foreign bank.
24-hour Late Payment Grace Period
The Huntington Voice Rewards Credit Card offers a 24-hour late payment grace period, providing peace of mind for cardholders who may occasionally overlook their payment due dates. With this feature, cardholders have an additional day to settle their bills before officially being deemed “late.” It’s a valuable safeguard against late fees, ensuring that even if you miss the payment deadline by a narrow margin, you won’t face unnecessary financial penalties.
The Huntington Bank Voice Rewards Credit Card is ideal for individuals seeking customizable rewards and the ability to earn cash back on their purchases.
Eligibility for Huntington Voice Rewards Credit Card
To apply for this card you need to meet the Huntington Bank prerequisites, see them below:
- Age: you need to be at least 18 years old
- Residency: you must be a legally resident of United States
- Income: it’s possible that you have to show a proof of income
- Credit score: to apply for this card, you might need a good credit score
Pros and Cons of Huntington Voice Rewards Credit Card
Pros
- 0% APR balance transfer intro rate on balance transfers for up to 12 months.
- Earn rewards on purchases everywhere the Huntington Voice Rewards Credit Card is accepted
- Reports to multiple credit bureaus.
Cons
- Does not offer a good signup bonus
- In comparison with other rewards credit cards, the Huntington Voice Rewards doesn’t offer so much.
How to Apply Huntington Voice Rewards Credit Card
Apply for this credit card is easy and quick, you only need to follow the steps below:
- Visit the Huntington Bank Official Website and log into your account, if you don’t have one already, register to go forward
- Go to the card’s page
- Press the button “Apply now” for start your application
- Fill out the application form with the information requested
- Review your application details like personal information and documents
- Submit your application
- Wait for approval
Fees and Rates of Huntington Voice Rewards Credit Card
Here are the fees associated with the Huntington Voice Rewards Credit Card:
- No Foreign Transaction fees
- Minimum Interest Charge: $1
- No annual fee
- Late Payment fee: $40
- APR for purchases and balance transfers: 17.24% to 29.24%, based on your creditworthiness
- APR for cash advances: 29.24%
- Balance transfer fee: the greater of $10 or 3% of the amount of each Balance Transfer
Customer Service of Huntington Voice Rewards Credit Card
- For Credit Card Customer Service, you can reach Huntington Bank at (800) 340-4165. The lines are open 24/7, every day of the week.
- If you need to speak to a customer service representative for general inquiries, call Huntington Bank at (800) 480-2265.
- You can go to a local branch, find your nearest branch here
- Also, you can use the automated assistant, for general questions and FAQs.
