4% Cash Back in the Category You Choose.

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.

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Choose from 10 Categories

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

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

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. It's your choice.

Here's an Example:

For the year, you might select 4% cash back categories each quarter. See how much you can earn.

Quarter 1: Gas Stations

Spend $4,500 and earn 18,000 points ($180).

Quarter 2: Home Improvement Stores

Spend $5,000 and earn 20,000 points ($200).

Quarter 3: Utilities & Office Supply Stores

Spend $6,000 and earn 24,000 points ($240).

Quarter 4: Travel & Entertainment

Spend $4,000 and earn 16,000 points ($160).

The Huntington Voice Business Credit Card comes with features like these:

Fewer fees, more time to make payments, and tools to help safeguard you from theft and fraud.

Late Fee Grace®

If you miss a payment, you get an extra day to pay your minimum payment without receiving a late fee.

No foreign fees

While other banks may charge up to an additional 3% on purchases made outside the United States, Voice cardholders will not have that extra expense.

No annual fee

There's no annual fee and no catch either.

Employee Cards & Spend Controls

Obtain employee cards and set spend controls at no additional cost.

Mastercard Zero Liability Protection

Whether you pay in store, over the phone, or online, you're not responsible in the event someone makes unauthorized purchases with your card.

Mastercard ID Theft Protection

Monitor your credit file for fraud, receive alert notifications about suspicious activity, and get assistance from a resolution specialist.

Contactless Payments

Cards can be used for contactless transactions at enabled terminals.

Digital Wallet Access

Our cards are compatible with most digital wallets. Use your Huntington credit card with Google Pay, Apple Pay®, and Samsung Pay for fast, easy, and secure mobile payments.

Contact Us

We're here for you—online, by phone, or in a branch.

Automated Assistant

Quick answers when you need them

Speak with Us

We are here to help

Find a Branch

Find your nearest Huntington Branch

Earn 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.

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, Internet).

Credit Card Terms and Conditions, Rewards Terms and Conditions

Transactions are protected by federal law and Mastercard's Zero Liability. Transactions you did not authorize should be reported to us promptly through our dispute process. We ask that you assist us in our investigation as needed. Certain limitations apply. See mastercard.com/zeroliability for complete details.

Mastercard, World Elite Mastercard for Business and the circles design are registered trademarks and Mastercard ID Theft Protection in a trademark of Mastercard International Incorporated.

Google Pay is a trademark of Google LLC.

Apple Pay® is a registered trademark of Apple Inc., registered in the U.S. and other countries.

Third-party product, service and business names are trademarks and/or service marks of their respective owners.

Late Fee Grace® and Voice Credit Card® are federally registered service marks of Huntington Bancshares Incorporated. Voice and Voice Business Credit Card are service marks of Huntington Bancshares Incorporated.