Huntington Voice Rewards Credit Card

Rewards by category

Our take

The Huntington Voice Rewards Credit Card charges no annual fee and earns points worth a cent apiece, but its 3x rate is something you have to actively manage rather than something the card does for you. You choose one category from a list of ten to earn 3x, and only the first $2,000 of spend in that category each quarter earns the bonus — everything above that line, and everything outside your pick, earns 1x. Filled to the cap, a quarter of category spend produces 6,000 points, or $60, against $20 at the base rate. That is about $40 a quarter of real upside, roughly $160 a year, and it exists only if you keep choosing well.

The pick is not permanent, which is the interesting part. You can change your category before each new quarter begins, and a brand-new account gets one extra change inside its first 30 days. Because changes take effect going forward, a category you wish you had chosen for the quarter you are already in cannot be fixed after the fact — set it before the spending happens. SwipeCaddy models the categories we could confirm in Huntington's own disclosure: gas, groceries, restaurants, home improvement, discount and warehouse stores, and travel and entertainment. The real list runs to ten, so open the card's own picker before each quarter to see the options we have not confirmed.

Positioned honestly, this card ties for the top of our home improvement and wholesale club rankings rather than leading them outright — and that tie only holds in a quarter when you actually selected the matching category and stayed under $2,000. It suits someone whose spending is lumpy and seasonal: a spring of home improvement projects, a summer of travel, a stretch of warehouse club runs before a holiday. If you know you will never touch the picker, a flat-rate card will beat sitting at 1x by default, and if a single category dominates your year, a dedicated card with no quarterly reset is the simpler answer.

The math

Run $400 a month of dining through this card and you're earning about $144 a year at our conservative valuations. There's no annual fee to earn back — everything above the 1x base rate is pure upside.

Where it lands in our rankings: #2 for wholesale clubs · #2 for home improvement · #5 for entertainment

Key benefits

• No annual fee

Common questions

Does Huntington Voice Rewards Credit Card have an annual fee?

No — Huntington Voice Rewards Credit Card has no annual fee.

What does Huntington Voice Rewards Credit Card earn on dining?

3x on dining (choose this category; up to $2,000/qtr (combined)).

What rewards does Huntington Voice Rewards Credit Card earn on everything else?

1x on all other purchases, in Huntington Voice Rewards.

How much can the Huntington Voice Rewards 3x category actually earn?

The 3x rate applies to the first $2,000 of spend in your chosen category each quarter, which caps the bonus at $8,000 of category spend a year. At the cap a quarter earns 6,000 points, worth $60 at a cent per point, versus $20 if that same spend earned 1x — so the bonus adds about $40 a quarter, or roughly $160 a year. Spending past $2,000 in the category drops to 1x for the rest of the quarter.

Can you change the Huntington Voice Rewards bonus category?

Yes. You can switch your 3x category before each quarter starts, and a new account also gets one change during its first 30 days. Because the choice applies to the quarter ahead rather than retroactively, the discipline is to set it in advance of the spending you are planning. SwipeCaddy models six categories we could confirm from Huntington's disclosure, but the full list has ten options, so check the card's own picker for the rest.

Related reading

• How we value points and miles (and why our numbers are lower than everyone else's)SwipeCaddy ranks cards by reward rate × a conservative cash value per point: 1¢ for cash back and transferable points (Chase, Amex, Citi, Capital One, Bilt), 1.1–1.3¢ for airline miles, 0.4–1.4¢ for hotel points, and 0.8–0.9¢ for store currencies. Optimistic transfer values are recorded for context but never ranked, because most people never achieve them.