Top perks
The Huntington Voice Rewards Credit Card has some nice benefits, including the ability to choose your bonus categories.
Earn 3x points per dollar in category you choose
The great thing about the Huntington Voice Rewards Credit Card is that you're in control of your bonus category. You'll earn 3x points per dollar on up to $2,000 in purchases in your bonus category each quarter (1x point per dollar after that). Plus, you can choose a new category each quarter.
Currently, the categories include:
- Gas stations
- Travel and entertainment
- Restaurants
- Discount and warehouse stores
- Grocery stores
- Utilities and office supply stores
- Electronics, computer, and camera stores
- Department, apparel, and sporting goods stores
- Auto parts and service stores
- Home improvement stores
Rewards have a set redemption rate of $0.01 per point, so this is effectively a 3% cash back card. If you maximize your bonus category spend, you could earn up to $60 in rewards each quarter. That's $240 a year in cash back, statement credits, or other redemptions.
While 3% back isn't the highest cash back rewards rate out there, it's not a bad deal if you use it for categories not offered by other issuers. For example, auto parts and service is a hard bonus category to find -- one that can be quite costly if you need a lot of repair work done.
Additionally, some of the categories combine multiple purchase types. The utilities and office supply stores category, for example, could be especially nice for people who work from home.
No annual card fee
Another point in the Huntington Voice Rewards Credit Card's favor is that it doesn't charge an annual card fee. A no annual fee card means it won't cost you anything just to keep your account open. This is especially handy in a card with only one bonus category. You can use the card just for those purchases, using other, higher-rate cards for purchases in more common bonus categories. Even if you can't maximize your bonus category, you're still coming out ahead because there's no fee to negate.
No foreign transaction fees
One nice thing about small bank credit cards is that they're a lot more likely to waive extra fees -- like 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.
See more: Best No Foreign Transaction Fee Credit Cards
24-hour late payment grace period
There's nothing worse than remembering you have a credit card bill due -- about 12 hours too late. Being hit with that late fee because your bill slipped your mind by one day is a bummer. But the Huntington Voice Rewards Credit Card has you covered. Cardholders get an extra day to pay their bill before they're officially "late." Keep in mind that the regular payment cutoff times apply, and the method you use to make your payment dictates when your payment must be submitted.
