The following card is its credit card known as Huntington Voice Rewards credit card: This credit card gives the buyer the flexibility he or she desires and handsome rewards based on buyer’s spending power. This card offers a chance to initially earn 3X points in one of the ten categories, which can be changed every quarter meaning that the reward programs suit the client’s life.
Whether it is food shopping, booking a flight, or making a home improvement purchase, this card works well for you. Following the offered rewards’ structure, the Huntington Voice Rewards credit card has no annual fees, so it’s ideal for anyone to be paid for using their credit card without any added expenses. Adaptable rewards coupled with the fact that this card has no annual fee makes this credit card quite appealing to the users.
Key information about the 3x credit card rewards Huntington
It is on this background that the Huntington Voice Rewards credit card provides a one of a kind feature through which one gets to earn 3X points in one category out of a list of ten that is chosen at any given quarter.
For the category that you choose, you get up to 6,000 points per quarter on total spent $2,000; for all others, it is 1X points. Every point equals a penny meaning that one is bound to save a lot in the long run from the earned points.
How does the annual fee work?
Using the credit card, Huntington Voice Rewards credit card does not attract any annual fee which is a plus to this card. This also means that consumers can get all the benefits and other incentives expected of the brand without having to pay a pound more yearly.
Unlike some of the other reward cards that many apply an annual fee, Huntington makes sure that you do not spend extra cash as you earn and spend the points. This feature makes the card particularly good for those bargain hunters looking for the best deal on a credit card with less additional costs.
How is the credit limit determined?
The credit limit for Huntington Voice Rewards credit card is calculated considering your credit score, the income and credit worthiness. This way, Huntington evaluates your financial standing with the provision of the limit that you should uphold for sound credit status.
For ordinary credit cards, this prescribes an ideal limit based on the evaluation of the credit records besides income levels. For the prepaid, they have features of the limit depending on the amount that one deposits into the cards hence having a complete control of the spending limit.
Credit card benefits
- 3X points in selected categories: Customize your rewards by choosing one of ten categories each quarter.
- 1X points on all other purchases: Earn rewards on every purchase, even outside your selected category.
- No annual fee: Enjoy all the card’s benefits without paying an annual fee.
- Flexible rewards: Redeem points for cash, travel, gift cards, and more.
- Late fee grace: Avoid late fees with an extra day to make your payment if you miss the due date.
- Online account management: Easily track your points and spending through Huntington’s online portal or mobile app.
Customizable points program
Instead, the most striking attribute regarding the Huntington Voice Rewards credit card is the variable points features. In this program, for every $1 spent on the category of their choice, that they can change every three months, they will be awarded 3X points.
This flexibility implies that you can match your rewards given to your spending pattern in such a way that you will have the best values for such rewards. For example, if your goal is travelling, you can choose the category of travels for that particular quarter.
Thus, if your focus turns into home improvement, you can easily change your category as well. Customization to this level is very limited among credit cards today and offers more value to cardholders.
Disadvantages
- Quarterly category selection: Remembering to change your category each quarter can be cumbersome.
- $2,000 quarterly cap: The 3X points are only earned on the first $2,000 spent in the selected category each quarter.
- Limited to ten categories: The rewards categories are pre-selected and may not cover all spending preferences.
Quarterly category changes
The major disadvantage with this credit card is that the cardholder has to choose and change the category for rewards each quarter. However, this requirement can be somewhat irritating to some of the users because it requires certain amount of attention and planning.
If you fail to change the category, you may end up not maximizing your rewards according to your current spending behavior, which will in turn lower the benefit you get from the card.
Who can apply for this card?
There are several criteria that must be met when filling out the application for the Huntington Voice Rewards credit card: minimum age is 18 years; you are expected to have a good credit score and prove it by providing the proof of income.
It is presumable that one has to present the SSN / TIN number, as well as reside in the United States. It is not normally possible to take this card if you have a bad credit history which means the candidates with the steady financial situation will be accepted.
How to apply for the 3x credit card rewards Huntington
Through the website
Purchases made with the Huntington Voice Rewards credit card can easily be made online by applying for the credit card online. First of all, go to the main site of Huntington Bank. Link to credit cards: Here, they have provided details about different cards offered by the company. There is a card called Huntington Voice Rewards Credit Card and this will appear when trying to get further information regarding the card.
When you go to the card’s individual page, you will then find a “Apply Now” button that you need to click on to start your application. This will lead you to the application form where you will be required to include your details.
Please provide your full name, address, social security number, and financial information about you. It is recommended to provide all necessary details correctly to prevent potential holds in the approval process.
Once you have filled in all the form’s fields, it is essential to read through all the information that has been input. When you are content with the application, you may then submit it. Once you have completed and submitted your application, Huntington will go through the application and provide you with their decision.
If approved, your Huntington Voice Rewards credit card will be mailed to the address you have provided within 5-7 business days. This process enables you to complete the form online then apply for your new credit card without leaving the house.
