Many or all companies we feature compensate us. Compensation and editorial research influence how products appear on a page. Credit Cards Huntington Voice Credit Card Review Updated Feb 28, 2022   |   4-min read Reviewed by Jamie Johnson Reviewed by Jamie Johnson Expertise: Mortgages, loans, insurance, credit cards Jamie Johnson is a freelance writer who specializes in personal finance and small business. She’s been writing professionally since 2016 and has been featured on some of the top finance and business sites in the country. Learn more about Jamie Johnson Some offers mentioned on this page may be outdated. To confirm offers and credit card details, check the issuer’s website. Card Summary Pros Cardholders can earn 3X rewards in their choice of one of 10 rotating categories each quarter.The card comes with a 24-hour Late Fee Grace which waives the fee if you’re late making a payment.Customers can choose to forgo the rewards and reduce their APR by three percentage points.The card comes with no annual fee or foreign transaction fees.Customers receive access to Mastercard Global Service which provides 24-hour assistance, emergency credit card replacement, and emergency cash advances. Cons The 3X rewards will only apply to the first $2,000 spent each quarter.The card is only available to customers in IN, KY, MI, OH, PA, WV, IL, and WI. Recommended Credit Good Is the Huntington Voice Credit Card Right for You? The market is flooded with credit cards offering a limited time 0% APR, cash back, and more. But if you take a closer look at most of these cards, you’ll find that there’s very little flexibility for the consumer. This is why the Huntington Voice Credit Card stands out. Cardholders can earn rewards or bypass the rewards entirely for a lower APR on all purchases. This article will explain the pros and cons of the Huntington Voice credit card, who it’s for, and how it compares to similar cards. In this review: Benefits of the Huntington Voice Credit CardDownsides of the Huntington Voice Credit CardHow it Compares to Similar Cards Benefits of the Huntington Voice Credit Card When you open the Huntington Voice credit card, you have 30 days to choose the category you want to earn three percent cash back in. Customers can choose from the following ten different categories: Travel and entertainmentDiscount and warehouse storesGrocery storesRestaurantsUtilities and office supply storesElectronics, computer, and camera storesGas stationsDepartment, apparel, and sporting goods storesAuto parts and service storesHome improvement stores After the initial selection, customers can change their category quarterly. This allows customers to take advantage of the cash back rewards based on what’s going on in their life. For instance, customers who know they are going to spending a lot of time traveling during the next couple of months might choose to earn rewards for money spent on travel and entertainment. >> Read More: Best travel credit cards Or customers can choose to reduce their APR by three percentage points. This flexibility is one of the biggest advantages of using the Huntington credit card. Downsides of the Huntington Voice Credit Card The biggest con to choosing this card is that the rewards are capped at $2,000 in purchases each quarter — 6,000 points if all of that $2,000 was spent in a 3X-point category. Since points are worth a penny each, 6,000 points could be redeemed for $60 in cash, gift cards, or toward travel purchases. Plus, Huntington Bank will do a hard pull on your credit which could temporarily hurt your credit score. And since this card is only available in certain states some customers will not be eligible. How it Compares to Similar Cards If you’re interested in a similar card that offers cash back rewards, you might consider the Capital One Savor Cash Rewards Credit Card. Customers will receive a 14.74 – 24.74 percent variable APR. But the cash back rewards are what make this card truly stand out. Customers can earn a $150 cash back bonus for spending $500 within the first three months of opening the card. And customers can earn unlimited 3% cash back on dining and entertainment, 2% back at the grocery store, and 1% back on everything else. The rewards never expire and there’s no limit to how much you can earn. So if you are someone who spends a lot on dining and entertainment, this might be a better deal for you. The Bank of America Premium Rewards Credit Card is another good option. Cardholders can receive 2% cash back on dining and entertainment and 1.5% back on everything else. And cardholders will receive $500 bonus points if they spend $3,000 within the first three months of opening the card. Bottom Line The Huntington Voice Credit Card is a good fit for consumers looking for a flexible credit card. If you’ll be spending a lot in a certain area, like entertainment or travel, the cash back rewards could be worth it. Just keep in mind that the 3% cash back is capped at $2,000 in spending per quarter. If you this card does not meet your needs, you can compare the best credit cards rated by LendEDU.