You're running a business. It’s chaotic. Between managing payroll, arguing with suppliers, and trying to figure out why the breakroom fridge is leaking again, the last thing you want to do is spend three hours auditing your credit card rewards portal. Most big-box banks make it feel like a chore. Huntington National Bank does things a little differently. If you’re in the Midwest or just looking for a bank that doesn’t treat you like a random account number, their business credit card lineup is actually worth a look.
Honestly, people overlook regional banks. Big mistake.
While the giant players in the industry are fighting over who can offer the flashiest metal card, Huntington has been quietly refining the Huntington business credit card suite to focus on what actually keeps a small business moving: cash flow and simplicity. No, you aren't going to get a private jet concierge. You will, however, get a card that integrates with your local branch and doesn't hide the "redeem" button behind ten layers of sub-menus.
The Reality of the Huntington Business Triple Rewards Card
Let's talk about the Triple Rewards card. It's basically their flagship. You get 3x points on the stuff you actually buy. Usually, banks lock you into "travel" or "dining." Huntington lets you pick a category.
You might choose office supply stores. Or maybe gas stations. Perhaps travel is your big expense. You get to pivot. That flexibility is huge because, let’s be real, your business needs in January are rarely the same as your needs in July. Most cards lock you in for a year, but Huntington recognizes that business is fluid. If you're a contractor, you're hitting the gas station and the hardware store. If you're a consultant, you're probably living in airports and coffee shops.
The points system is straightforward. One point equals one cent when you redeem for cash back into a Huntington account. Simple. No math degrees required.
Why the Voice Business Credit Card is Different
Then there's the Voice Business Credit Card. This one is weirdly specific, and I kind of love it for that. It’s designed for the business owner who hates interest rates more than they love rewards. You can actually choose between earning rewards or getting a lower interest rate.
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Most people go for the points. "Free money, right?" Not always.
If you carry a balance—and let's be honest, many growing businesses do—that 2% lower APR is going to save you way more than a handful of points ever would. It's about math. If you're carrying $10,000 in debt to cover a slow season, that interest reduction is your best friend. It's a "choose your own adventure" style of banking that you just don't see at the national level.
The Perks Nobody Mentions
Everyone looks at the sign-up bonus. Sure, Huntington usually has a competitive one—often a few hundred bucks after you spend a certain amount in the first few months. But the real value is in the "Extra Credits."
Huntington is big on their "Fair Play" philosophy. This usually manifests as fewer "gotcha" fees. For instance, they have a graceful approach to late payments compared to the predatory "penalty APR" some other banks slap on you the second you’re a day late. They want you to stay in business. Dead businesses don't pay back loans. It’s enlightened self-interest, really.
Managing the Chaos
The digital tools are... fine. They aren't going to win a Silicon Valley design award, but they work. You can see your transactions, pay your bill, and manage employee cards without calling a 1-800 number and waiting on hold for forty minutes.
Employee cards are a big deal.
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With a Huntington business credit card, you can set individual limits for your team. If you’ve got a driver who only needs to buy diesel, you set their limit accordingly. You get the alerts. You see the spend in real-time. It prevents that mid-month "wait, why did we spend $4,000 at a steakhouse?" conversation.
The Mid-Market Advantage
Regional banks like Huntington have a specific vibe. You can walk into a branch in Columbus, Detroit, or Indianapolis and actually talk to a human who knows what the local economy looks like. This matters when you need a credit limit increase.
At a massive global bank, an algorithm decides your fate. At Huntington, having that credit card history helps build a "total relationship." When you eventually need a commercial real estate loan or a line of credit, they look at your credit card usage. They see the consistency. They see you’re a "good bet." It’s the old-school way of doing business, wrapped in a modern plastic card.
What to Watch Out For
Look, it’s not all sunshine. If you do a ton of international business, you might run into foreign transaction fees depending on which specific card version you have. Always check the fine print on that. If you're buying parts from Germany or software from Japan every week, those 3% fees add up fast.
Also, their footprint is regional. If you move your headquarters to California, you’re going to lose that "walk-in" convenience. You can still use the card, obviously, but the magic of having a local banker fades when you're three time zones away.
Is It Worth the Switch?
If you already bank with Huntington, getting their business card is a no-brainer. The integration is seamless. If you don't bank there yet, the "Triple Rewards" card is a strong enough hook to make you consider it.
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Think about your top expense category.
- Is it Gas?
- Is it Office Supplies?
- Is it Travel?
- Is it Grocery stores (great for catering or small offices)?
If any of those are your "big spends," the 3x points on the Triple Rewards card effectively gives you a 3% discount on your entire operation. That’s a massive margin boost over the course of a fiscal year.
Actionable Steps for Your Business
Don't just apply blindly. Start by looking at your last three months of profit and loss statements. See where the money is actually going. If you see a pattern—like a heavy reliance on shipping or professional services—match that to the Huntington category list.
Next, check your current business credit score. While these are business cards, Huntington (like most banks) will still do a hard pull on your personal credit. Make sure your personal ducks are in a row before you hit "apply."
Finally, consider the "Late Fee" structure. If you’re in a volatile industry like construction where clients pay late and your cash flow is a rollercoaster, the "Fair Play" features of a Huntington card can save you hundreds in nuisance fees. It’s the safety net you didn't know you needed until the one month the check doesn't arrive on Friday.
Move your highest-spend category to the 3x tier immediately upon approval. Set up the auto-pay for the minimum at the very least to protect your credit, and use the employee card limits to delegate spending without losing sleep. This isn't just about a piece of plastic; it's about making your back-office work just a little bit less painful.