4% Cash Back in the Category You Choose1.

With the Voice Business Credit Card you choose one of ten categories where you’ll earn 4% cash back—on the first $7,000 you spend per quarter, or $28,000 annually. You also earn 1% cash back on all other purchases. Plus, there are no annual fees or foreign transaction fees. Speak with a business banker today to apply.

How Voice℠ 4% Cash Back Works

Depending on your business needs, you can gain more points in the reward category of your choice.

Here's an Example:

Need to restock your office supplies this quarter?


4% cash back on utilities and office supplies
+1% on everything else


$6,000 on office supplies
$2,000 on other purchases


24,000 points
2,000 points
26,000 total points = $260

The ability to switch your 4% cash back category every quarter allows you to maximize rewards. Keep the same category throughout the year or switch to one of 10 categories every quarter.1 It's your choice.

For the year, you might select the following 4% cash back categories each quarter:

Gas Pump

Quarter 1:

Spend $4,500 and earn 18,000 points.

Home improvement stores

Quarter 2:

Spend $5,000 and earn 20,000 points.

office supplies

Quarter 3:

Spend $6,000 and earn 24,000 points.


Quarter 4:

Spend $4,000 and earn 16,000 points.

Choose from 10 Categories

You can change your 4% cash back category every quarter.

Gas Stations
1 of 10
HB_Icon_Travel Travel & Entertainment
2 of 10
hb_icon_restaurants Restaurants
3 of 10
HB_Icon_Discount_Warehouse_Stores Discount & Warehouse Stores
4 of 10
HB_Icon_Groceries Grocery Stores
5 of 10
hb_icon_utilities_officesupplies Utilities & Office Supply Stores
6 of 10
hb_icon_electronics Electronics, Computer & Camera Stores
7 of 10
HB_Icon_Apparel_Sports Department, Apparel & Sporting Goods Stores
8 of 10
Home Improvement Stores
9 of 10
HB_Icon_AutoParts_Services Auto Parts & Service Stores
10 of 10

Additional Benefits

No Annual Fee

There's no annual fee and no catch either. 

1 of 4
No Foreign Transaction Fee

Use your card globally with no foreign transaction fees. 

2 of 4
Employee Cards and Spend Controls

Obtain an unlimited number of employee cards and set spend controls online. 

3 of 4
Late Fee Grace® Get an extra day to pay if you miss a payment2
4 of 4

Credit Card Terms and Conditions, Rewards Terms and Conditions

1Earn 4% cash back in the one rewards category you choose from ten pre-selected categories, on the first $7,000 you spend per quarter. Earn 1% cash back even after you reach the quarterly limit. Plus earn an unlimited 1% cash back on all other purchases. 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.

2We 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, Internet).

Mastercard Brand Marks are registered trademarks of Mastercard International Incorporated.

Voice Credit Card® is a federally registered service mark of Huntington Bancshares Incorporated. Voice℠ and Voice Business Credit Card℠ are service marks of Huntington Bancshares Incorporated.