Huntington Voice Low Rate Credit Card Review 2024 – Forbes Advisor – Technologist

Huntington Voice Lower Rate Credit Card®* vs. Huntington® Cashback Credit Card

If you’re partial to Huntington Bank, consider the Huntington Cashback World Elite card. Cardholders earn unlimited 1.5% cash back on all purchases with no annual fee or foreign transaction fees. This card offers access to Mastercard’s 24/7 concierge, but compared to other cards with a 0% introductory APR, Huntington Cashback doesn’t offer much in terms of perks.

You may be surprised to learn that the regular APR on this card isn’t much higher than the Huntington Voice: 17.24% to 29.24% variable. Plus, the cash-back card comes with the same 0% introductory balance transfer APR for the first 12 billing cycles on transfers made within the first 90 days. After the first year, the regular APR of 17.24% to 29.24% applies. Balance transfers incur a fee of $10 or 3%, whichever is greater.

Huntington Voice Lower Rate Credit Card®* vs. AFCU Supreme Visa Credit Card

If you need to carry a balance and your goal is to find the lowest APR you can, a credit card issued by a credit union is likely your best bet. Unlike credit cards offered by banks, credit unions require membership. Any U.S. resident can join Andrews Federal Credit Union (AFCU). If you don’t live in Washington, DC or work for one of the eligible employers, you can join the American Consumer Council at no cost.

AFCU members can apply for the Supreme Visa credit card with a regular APR of 13.24% to 18.00% variable. Qualified applicants will receive no higher than an 18.00% APR which is lower than the national average, making this card truly a low-rate card for all cardholders. This Visa card also offers a 0% introductory purchase APR for six months on purchases made within the first 90 days followed by the regular APR. There is no annual fee or foreign transaction fees.

You can also shop around as some credit union credit cards offer rates as low as 6.90%. The credit unions with the best rates have stricter membership requirements, but if you qualify this may be the way to go.

Huntington Voice Lower Rate Credit Card®* vs. Wells Fargo Reflect® Card

While a low-rate card can save you significant money on interest when you carry a balance, choosing a card with a longer introductory APR could help you get out of debt entirely. The Wells Fargo Reflect® Card offers a significantly longer intro APR: 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. A 18.24%, 24.74%, or 29.99% variable APR applies thereafter. Balance transfers made within 120 days qualify for the intro APR and a balance transfer fee of 5%, min $5 applies.

This card offers additional months of introductory 0% interest plus cellphone protection, roadside dispatch, zero liability protection as well as free access to your FICO Score. If you can pay off your balance in the 12 billing cycles the Huntington Voice Lower Rate Credit Card®* allows, that may be a better choice. There is also a foreign transaction fee associated with the Wells Fargo card, so if you travel abroad, the Huntington Voice is the winner.