Discover a credit card designed to enhance your purchasing power while rewarding your spending habits—the Huntington Voice 3X Rewards Credit Card. This versatile card empowers you to earn triple points in a category of your choice, ensuring that every purchase contributes to valuable rewards.

Whether you’re stocking up on groceries, filling up at gas stations, or embarking on travel adventures, this card adapts to your lifestyle with flexible quarterly category changes. Best of all, there’s no annual fee, making it a practical choice for those seeking rewards without added costs. Experience a credit card that not only simplifies your financial transactions but also enriches your everyday purchases with tangible benefits and straightforward rewards accumulation.

Key information about the Huntington 3X credit card Rewards

The Huntington Voice 3X Rewards Credit Card allows cardholders to earn 3X points in a category of their choosing, up to $2,000 in spending per quarter. Categories include groceries, gas stations, home improvement stores, and more, offering versatility to match your spending habits. For all other purchases, earn 1X points, ensuring you accumulate rewards no matter where you shop.

How does the annual fee work?

The Huntington Voice 3X Rewards Credit Card does not charge an annual fee, providing cardholders with the opportunity to earn rewards without the burden of additional yearly costs. This feature makes it a particularly attractive option for those looking to maximize benefits without ongoing financial obligations beyond their regular spending.

Without an annual fee, cardholders can focus on utilizing the card’s rewards program to earn points on their preferred spending categories, ensuring a straightforward and cost-effective experience in managing their finances. This benefit underscores Huntington’s commitment to offering a competitive and accessible rewards credit card option for its customers.

How is the credit limit determined?

The credit limit for the Huntington Voice 3X Rewards Credit Card is determined based on the applicant’s credit history, income level, debt-to-income ratio, credit utilization, and overall financial stability. Huntington Bank assesses these factors to establish a suitable credit limit that reflects the applicant’s ability to manage credit responsibly. This approach ensures that cardholders receive a limit that aligns with their financial profile, promoting responsible borrowing and effective use of the card’s rewards program.

Credit card benefits 

• Triple points: Earn 3X points on purchases in a category of your choice, up to $2,000 per quarter.
• Flexible reward categories: Choose from 10 categories and switch quarterly to match your spending habits.
• No annual fee: Enjoy rewards without the cost of an annual fee.
• Easy redemption: Points can be redeemed for cash back, travel, gift cards, and more, with every point equaling a penny.
• Late fee grace®: Provides an additional day to make payments, offering flexibility in managing finances.
• Quarterly category selection: Allows for strategic earning by selecting different spending categories every quarter, maximizing rewards potential.

Reward points program

The standout feature of the Huntington Voice 3X Rewards Credit Card is its robust reward points program. Earn triple points on selected categories and use points for a variety of rewards, including cash back, making every purchase more rewarding.

Disadvantages

• Quarterly category management: Requires proactive selection and management of reward categories every quarter, which may be inconvenient for some users.
• Quarterly spending cap: Limits rewards earning to $2,000 in spending per quarter in the chosen category, potentially restricting higher spenders from maximizing rewards.
• Credit approval criteria: Like all credit cards, approval is subject to creditworthiness, meaning not all applicants may qualify for the card, particularly those with limited or poor credit histories.

Quarterly category selection

While the flexibility of choosing reward categories quarterly is a significant perk, it may require regular updates to maximize rewards, potentially posing inconvenience for some users who prefer a more set-it-and-forget-it approach to credit card rewards management.

Who can apply for this card?

The Huntington Voice 3X Rewards Credit Card is available to applicants who are at least 18 years old and have a good credit history, demonstrating responsible credit usage and timely payments. While specific income requirements may vary, applicants generally need to provide proof of income to support their creditworthiness. The card’s accessibility extends to individuals with varying credit profiles, though approval is contingent upon meeting these criteria and ensuring the ability to manage credit responsibly.

How to apply for the Huntington 3X credit card Rewards

Via WebSite

To apply for the Huntington Voice 3X Rewards Credit Card online, begin by visiting the official Huntington Bank website. Navigate to the credit card section and locate the Huntington Voice 3X Rewards Credit Card among the options listed. Click on the card to access detailed information regarding its benefits, features, and terms. Take time to review these details to ensure the card aligns with your financial needs and spending habits.

Once you’ve decided to proceed with the application, look for the “Apply Now” button prominently displayed on the card’s information page. Clicking this button will direct you to the online application form. Fill out the application form accurately and completely with your personal information, including your full name, address, Social Security number, date of birth, income details, and employment information.

After completing the application form, review the information you’ve provided to confirm its accuracy. Submit the application electronically through the website. You will receive a confirmation of receipt shortly after submission, and the bank will begin processing your application.

Typically, applicants receive a decision on their credit card application within a few business days. If approved, you can expect to receive your Huntington Voice 3X Rewards Credit Card by mail, along with instructions on how to activate and begin using your new card.

In-Branch

To apply for the Huntington Voice 3X Rewards Credit Card at a branch, visit your nearest Huntington Bank location during operating hours. Approach a bank representative and express your interest in applying for the card. They will provide you with an application form to complete, requiring personal details such as your name, address, Social Security number, income information, and employment status.

Ensure all information is accurate and up-to-date. After submitting your application and any required supporting documents, such as proof of income, the bank will process your request. You can typically expect a decision on your application within a few business days. If approved, your new Huntington Voice 3X Rewards Credit Card will be mailed to you, ready for activation and use.