Earn 3X Credit Card Rewards

Our Huntington Voice Rewards Credit Card lets you earn 3X points for the ways you spend most. Pick one of 10 categories and change it every quarter to fit your needs.
Rewards Credit Card

Turn Points Into Rewards

With Huntington, reward points pile up. Earn 3X reward points when you use your credit card to make a purchase in your category of choice, up to $2,000 in spend per quarter. Whether you earn 3X points on your weekly grocery store trip or on your next flight out of town, the choice is yours! Change your rewards category every quarter (or three months) as needed. Earn 1X points on all other purchases, even after you reach the quarterly limit.

Every point equals a penny–that means 5,000 points = $50 cash! So, you can redeem points sooner and get better rewards. Plus, there's no annual fee.

Change Categories Every Quarter

Earn 3X points for your chosen category. Single points on all other purchases.


Auto Parts & Service Stores

Category Examples: AutoZone, Discount Tire, Goodyear Auto Service


Department, Apparel & Sporting Goods Stores

Category Examples: Ann Taylor, Dick’s Sporting Goods, Macy’s


Discount & Warehouse Stores

Category Examples: Big Lots, Family Dollar, Sam’s Club


Electronic, Computer & Camera Stores

Category Examples: Apple Store, Best Buy, Midwest Photo


Gas Stations

Category Examples: BP, ExxonMobil, Shell


Grocery Stores

Category Examples: Giant Eagle, Kroger, Meijer, Pick’n Save


Home Improvement Stores

Category Examples: Ace Hardware, Lowe’s, Home Depot



Category Examples: Applebee's, McDonald's, Olive Garden


Travel & Entertainment

Category Examples: AMC Theaters, Hertz Rent a Car, Hilton Hotels, Southwest Airlines


Utilities & Office Supply Stores

Category Examples: AEP, Time Warner/Spectrum, Verizon

What are credit card reward points?

Reward points are incentives accrued when using a rewards credit card. Points are earned by making select purchases that eventually can be converted into tangible rewards–discounted airfare, restaurant or store gift cards, cash back, and more. Bonus categories are generally offered as a way to earn more points in a designated category. Point systems, purchase categories, and rewards vary by card issuers.

At Huntington, every point is a penny and there’s no annual fee. Earn 3X points in a category of your choice and 1X points on all other purchases. We offer 10 preselected categories ranging from gas stations, restaurants, and home improvement stores to electronics, grocery stores, and travel, entertainment. This category can be changed every quarter (or three months) as needed.

Here's an example: Kim updated the flooring and paint in her master bathroom this spring. That's why her 3X rewards category was Home Improvement Stores. But she changed it to Gas Stations when she planned road trips in July and August.

Every fill-up on the road earned Kim 3X rewards—up to $2,000 in spend per quarter or 6,000 points. She also earned single rewards for everything else she bought. So, her points piled up quickly.

For the year, Kim might select the following 3X Rewards Categories each quarter:


Quarter 1: Grocery Stores

Spend $1,838 and earn 5,514 points.


Quarter 2: Home Improvement Stores

Spend $1,412 and earn 4,236 points


Quarter 3: Gas Stations

Spend $914 and earn 2,742 points


Quarter 4: Utilities

Spend $756 and earn 2,268 points

What are the benefits of a rewards credit card?

Our rewards Voice Credit Card makes every dollar stretch farther with no annual fee. Earn points on everyday purchases like groceries and gas that can help go toward future rewards like air travel, shopping, or cash back. We also make tracking points easy. Customers can access their account online (or in the mobile app) to see how many points they have and how much they’re spending. As an added benefit, we offer Late Fee Grace® that gives you an extra day to pay if you miss a payment.§

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Earn 3X rewards in the one category you choose from ten pre-selected categories, up to $2,000 in spend per quarter. You may select your category once within the first 30 days of opening a new account then again prior to the start of each quarter for the next quarter. Earn 1X reward for all other purchases.

Credit Card Terms and Conditions, Rewards Terms and Conditions.

§We must receive your required minimum payment by the day after the due date listed on your monthly billing statement in order to avoid a late charge. Regular payment cutoff times apply. Cutoff times vary by payment channel (via mail, in-branch, telephone, and internet), but will in no event be before 5p.m. Eastern Time.

 Mastercard and Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated. 

Voice Credit Card® and Late Fee Grace® registered service marks of Huntington Bancshares Incorporated. Huntington Voice Rewards Credit Card is a service mark of Huntington Bancshares Incorporated.