Cash back · Mastercard · No annual fee
Last verified 2026-09-09. Review issuer source
Huntington Voice Business is a no-annual-fee cash back card from Huntington. Its best everyday rates are 4% on auto maintenance, 4% on department stores, and 4% on dining; everything else earns 1%. Auto maintenance is capped at $7,000 a quarter, then drops to the base rate. The top rate rotates through categories each quarter and needs activating.
On our reference budget of $73,200 a year it returns about $1,560, an effective 2.1% back.
Keep business spending on it for the separate statement alone; the rewards are the extra. Check the issuer's other business card before deciding, since the categories differ more than the fees do.
Cap: $7,000 per quarterly
4% cash back in the category you choose: Auto Maintenance
Cap: $7,000 per quarterly
4% cash back in the category you choose: Department Stores
Cap: $7,000 per quarterly
4% cash back in the category you choose: Dining
Cap: $7,000 per quarterly
4% cash back in the category you choose: Electronic Stores
Cap: $7,000 per quarterly
4% cash back in the category you choose: Entertainment
Cap: $7,000 per quarterly
4% cash back in the category you choose: Gas Stations
Cap: $7,000 per quarterly
4% cash back in the category you choose: Grocery Stores
Cap: $7,000 per quarterly
4% cash back in the category you choose: Home Improvement
Cap: $7,000 per quarterly
4% cash back in the category you choose: Office Supplies
Cap: $7,000 per quarterly
4% cash back in the category you choose: Sporting Good Stores
Cap: $7,000 per quarterly
4% cash back in the category you choose: Travel
Cap: $7,000 per quarterly
4% cash back in the category you choose: Utilities
Cap: $7,000 per quarterly
4% cash back in the category you choose: Wholesale Clubs
No welcome bonus is stored for this catalog entry yet.
Obtain employee cards and set spend controls at no additional cost.
If you miss a payment, you get an extra day to pay your minimum payment without receiving a late fee.
Monitor your credit file for fraud, receive alert notifications about suspicious activity, and get assistance from a resolution specialist.
Whether you pay in store, over the phone, or online, you're not responsible in the event someone makes unauthorized purchases with your card.
These come from Mastercard, not from Huntington. Every card on the Standard Mastercard tier carries them, so they should not decide between two cards.
Reimbursement for covered physical damage and/or theft of a rental vehicle with primary protection: 1-800-MASTERCARD.
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
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Save when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
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With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Huntington Voice BusinessThis card · 4% on auto maintenance | None | $1,560 | +$1,560 | 2nd of 752 |
| Edward Jones® Everyday Solutions Business World Elite Mastercard®The strongest no-fee card on this budget · 2x on everything | None | $1,704 | +$1,704 | 1st of 752 |
| Venture X BusinessHighest net return on this budget · 2x on everything | $395 | $1,944 | +$1,549 | 3rd of 752 |
Reference budget: office supplies $6,000, internet, phone, and cable $3,600, shipping $6,000, advertising $12,000, software and tech $6,000, gas and ev charging $4,800, dining and restaurants $4,800, travel and transit $6,000, everything else $24,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
