Earn 3X Credit Card Rewards
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.
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:
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.§
Frequently Asked Questions
Answer: Every time you use your Huntington Voice Rewards Credit Card℠ you will receive:
- 1 point for every $1.00 in qualified net purchases (purchases less returns). Points will round up to the next dollar if the purchase is equal to an amount that ends in $0.50 or greater.
Answer: Cash advances, fees, balance transfers, balance transfer checks and/or cash advance checks, overdraft protection, casino gaming chips, wire transfers, off-track wagers, lottery tickets, bets or wagers transmitted over the Internet, peer to peer (P2P) or cash app transactions such as Zelle or Venmo, or any other items considered as “quasi-cash” do not earn points. Refer to the Voice Consumer Credit Card Rewards Terms and Conditions for additional details.
Answer: The maximum number of 3X Rewards points you can earn per quarter is 6,000 points (or $2,000 in spend). This is subject to change at any time. Once you reach the maximum spend, you will earn 1X rewards points. There is no limit for all purchases earning 1X rewards points.
Answer: As the account holder, you can log into www.huntington.com to review your rewards account and redeem points for certain rewards. In addition, you can call Huntington National Bank ("HNB") customer service (800) 340-4165 24 hours a day, 7 days a week. Certain restrictions apply to rewards, and some have limited availability. Terms and Conditions of each reward are set forth in Program communications and/or on the certificates and gift cards. Suppliers participating in the Program are subject to change. Unless specifically noted, redeemed rewards are not refundable, exchangeable, replaceable, redeemable, or transferable for cash, credit, other rewards, or points under any circumstances. Refer to the Voice Consumer Credit Card Rewards Terms and Conditions for additional details regarding redemption options.
Answer: Redeeming your rewards for a statement credit reduces your balance but does not impact your minimum payment due. Please remember to submit your normal monthly payment before your next due date.
Answer: As long as your account is open and in good standing, the rewards you earn in this program will not expire. Rewards earned as part of a promotional program may expire. We will disclose the expiration date to you as part of the promotion. Please review the full Voice Consumer Credit Card Rewards Terms and Conditions for additional details regarding rewards expiration.
Answer: Your rewards balance will be forfeited if your account is in default at the time of account closure by us or you.
Answer: The minimum redemption level is currently 2,500 points but is subject to change.
Answer: If you think there is an error in the calculation of your rewards points, you can call HNB customer service (800) 340-4165 24 hours a day, 7 days a week.
Answer: No, the account owner must redeem reward points.
Answer: We do not charge any fees to redeem your rewards.
Answer: The Huntington® Voice Consumer Credit Card Rewards Program is provided by The Huntington National Bank. The program and benefits are offered at our sole discretion. The program may change from time to time as we continue to deliver better benefits for our customers. Please review the full Voice Consumer Credit Card Rewards Terms and Conditions for the most up to date details.
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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.