Huntington Voice Rewards Credit Card Review

The Huntington Voice Rewards Credit Card offers a unique approach to cash back with customizable reward categories that allow cardholders to earn 3% cash back in one of ten spending categories they can select each quarter, making it a flexible option for those who want to maximize rewards based on their specific spending patterns.

How the Huntington Voice Rewards Card Works

The Huntington Voice Rewards Credit Card stands out in the crowded cash back landscape by putting category selection power directly in the cardholder’s hands, unlike competitors that dictate rotating categories or offer fixed reward structures.

Cardholders can choose one category each quarter from ten options including gas stations, travel and entertainment, restaurants, discount and warehouse stores, grocery stores, utilities and office supply stores, electronics/computer/camera stores, auto parts and service, home improvement stores, and department stores.

The ability to earn 3% cash back in your personally selected category (up to $2,000 in purchases per quarter) provides significant value, especially when you can align your selection with planned major expenses or consistent spending habits throughout the year.

Huntington Voice Rewards Benefits and Features

The Huntington Voice Rewards card comes with no annual fee, making it an accessible option for consumers looking to maximize cash back without paying for the privilege of card membership.

Beyond the customizable 3% cash back category, cardholders earn a consistent 1% cash back on all other purchases with no minimum redemption requirements and no expiration on rewards, providing straightforward value for everyday spending.

Additional benefits include zero liability fraud protection, account alerts, the ability to temporarily lock your card through the mobile app, and access to your FICO score—practical security features that enhance the overall card experience.

Huntington Bank also provides a 10% cash back bonus when rewards are redeemed into a qualifying Huntington bank account, offering additional value for existing bank customers and incentivizing a deeper relationship with the financial institution.

Limitations and Considerations

The $2,000 quarterly spending cap on the 3% category significantly limits earning potential compared to some competing cards that offer higher or unlimited rewards in their bonus categories.

The card lacks a welcome bonus or introductory APR offer, which places it at a disadvantage against competitors that entice new cardholders with substantial sign-up incentives or interest-free periods on purchases or balance transfers.

Huntington Bank’s regional footprint primarily serves seven Midwestern states (Ohio, Michigan, Indiana, Pennsylvania, Kentucky, West Virginia, and Illinois), potentially making this card less accessible or convenient for consumers outside these areas.

The Voice Rewards card doesn’t offer premium travel benefits or purchase protections found on many competing cards, such as rental car insurance, extended warranty coverage, or trip cancellation insurance.

Comparing Huntington Voice to Competitors

When placed alongside the Chase Freedom Flex℠, the Huntington Voice offers more predictability with user-selected categories versus Chase’s rotating quarterly categories, though Chase typically offers higher earning rates and more robust welcome bonuses.

The Citi Custom Cash℠ Card automatically gives 5% cash back in your top spending category each billing cycle (up to $500 spent), potentially offering higher rewards than the Voice card without requiring manual category selection.

Discover it® Cash Back provides 5% cash back in rotating quarterly categories (up to $1,500 in purchases) plus Cashback Match for the first year, potentially delivering substantially more value than the Huntington Voice despite having a similar category spending cap.

For consumers who prefer simplicity, flat-rate cards like the Citi® Double Cash Card (up to 2% cash back: 1% when you buy, 1% when you pay) might provide better overall value than the Huntington Voice if you can’t consistently maximize the quarterly 3% category.

Fonte: Pixabay

Conclusion

The Huntington Voice Rewards Credit Card offers a compelling proposition for consumers who appreciate the flexibility to choose their own rewards category each quarter, particularly for those who can strategically align their selections with planned major purchases.

The lack of an annual fee and the straightforward rewards structure make this card accessible and easy to understand, though the $2,000 quarterly cap on 3% cash back categories significantly limits its earning potential compared to more generous competitors in the cash back space.

For Huntington Bank customers who can take advantage of the 10% redemption bonus and who value the ability to customize their rewards experience, this card represents solid value, but consumers outside Huntington’s service area or those seeking premium benefits or substantial welcome offers may find better options elsewhere.

Frequently Asked Questions

1. How do I change my 3% cash back category on the Huntington Voice Rewards card?
   You can select or change your 3% category once per quarter through online banking, the Huntington mobile app, or by calling customer service before making purchases in your desired category.

2. Do unused rewards expire on the Huntington Voice Rewards Credit Card?
   No, cash back rewards earned with the Huntington Voice Rewards Credit Card do not expire as long as your account remains open and in good standing.

3. Can I earn more than $2,000 in the 3% category per quarter?
   Purchases beyond the $2,000 quarterly limit in your selected 3% category will earn the standard 1% cash back rate for the remainder of that quarter.

4. How does the 10% redemption bonus work with Huntington Bank accounts?
   When you redeem your cash back rewards directly into a qualifying Huntington checking, savings, or money market account, you’ll receive an additional 10% bonus on the redemption amount.

5. Is the Huntington Voice Rewards card available nationwide?
   The card is primarily marketed to residents in Huntington Bank’s seven-state Midwest footprint, though applications may be considered from customers outside these regions on a case-by-case basis.