Key Takeaway
Yes for niche bills. Huntington's Voice Card earns 3x points on one chosen category each quarter from 10 options, including utilities and discount stores with no annual fee.
- Choose 1 of 10 categories to earn 3x points (up to $2,000 spend per quarter)
- Includes categories rarely covered by other banks: Utilities, Walmart/Discount stores, Home Improvement
- $0 annual fee, but restricted primarily to residents within Huntington's regional footprint
Huntington Bank Voice Credit Card Overview
Huntington Bank offers two variants of its signature credit card:
- Voice Credit Card with Rewards: Earns 3x points per dollar in one category you choose each quarter, up to $2,000 in quarterly spending ($60 maximum bonus per quarter).
- Voice Credit Card with Lower Rate: Replaces the rewards program with a 3% lower APR for consumers carrying a balance.
The 10 Eligible 3x Categories
What makes the Huntington Voice Card unique is its coverage of everyday bills that major national banks ignore:
- Utilities (Electric, gas, water - MCC 4900)
- Discount and Wholesale Stores (Walmart, Target)
- Gas Stations
- Groceries
- Restaurants
- Travel & Entertainment
- Department Stores
- Electronics Stores
- Home Improvement Stores
- Pharmacies
Verdict
If you reside within Huntington Bank’s branch footprint (primarily the Midwest) and need an un-capped card for utility bills or Walmart spending, the Voice Credit Card is a solid $0 annual fee companion to round out your wallet.