Huntington Business Voice Card: Up to $700 Bonus and 4% Back on Your Pick of Categories

Huntington Bank just brought back a sweet deal on their Business Voice credit card. If you've been eyeing a business card that lets you customize your rewards, this one's worth a look. The $700 bonus is back through September 14, 2026, and you can earn 4% cash back on a category you pick each quarter. Let's break down what you need to know.

How the 4% Cash Back Works

The core of this card is the ability to pick one category each quarter where you'll earn 4% back. That's a solid rate for a no-annual-fee card. You're capped at $7,000 in spending per quarter in that category, so the max you can earn at 4% is $280 per quarter, or $1,120 per year. After that, everything else earns 1%.

What's nice is the variety of categories. You've got the usual suspects like gas and groceries, but also office supply stores, utilities, home improvement, and even auto parts. If you run a small business or have a side hustle, you can likely find a category that fits your biggest spending area.

• Choose from 11 categories including gas, groceries, restaurants, travel, office supplies, and more.
• Change your category once per quarter to match your spending.
• No need to activate – just pick and earn.

The Bonus: $700 or Bust

Right now, the best offer is $700 cash back after you spend $5,000 within the first 60 days. That's a pretty standard spend requirement for a business card, and the bonus is competitive. There are also lower-tier offers ($500, $300, $150) if you don't want to hit that $5k mark, but the $700 is clearly the best bang for your buck.

One catch: you have to apply in person at a Huntington branch. That's a bit of a hassle if you don't live near one, but if you're in their footprint (OH, MI, IN, PA, KY, WV, IL, CO, MN, SD, WI), it's doable. Make sure to bring your business info – they'll want to verify your business exists.

What to Watch Out For

First, no sign-up bonus is available online – you must go to a branch. That might be a dealbreaker if you're not near a Huntington location. Second, you only get 4% on one category at a time. If you have diverse spending, you'll need to plan which quarter to focus on which category. Also, the $7,000 quarterly cap means heavy spenders might hit the limit quickly.

On the plus side, there's no annual fee and no foreign transaction fees, so it's a keeper for international purchases. Just remember that the 4% rate only applies to your chosen category – everything else is a flat 1%.

• Must apply in branch – no online application.
• Only one 4% category at a time, but you can switch quarterly.
• $7,000 quarterly cap on 4% earnings.
• No annual fee, no foreign transaction fees.

Bottom Line

• The $700 bonus with $5k spend is a solid deal for business owners in Huntington's footprint.
• 4% back on a category you choose is great for targeted spending – think groceries, gas, or office supplies.
• No annual fee and no foreign transaction fees make it a low-cost card to hold long-term.
• Plan your category switches each quarter to maximize rewards based on your spending patterns.

Common Questions