THE CARDTUNED DATABASE
The Ohio State Voice Credit Card
Issuer: Huntington Bank · Network: Mastercard
Choose 3X points on up to $2,000 quarterly selected-category spend or a lower-rate non-rewards structure
- Annual fee
- $0
- Foreign transaction fee
- $0
- Intro APR
- 0% for 12 months on qualifying balance transfers made in the first 90 days
- Regular APR
- 13.49%–27.49% variable, depending on selected Voice configuration and creditworthiness
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
0% intro APR for 12 months on qualifying balance transfers made in the first 90 days; terms depend on selected Voice configuration
- Spending requirement
- Not applicable — balance-transfer/purchase APR promotion
- Time window
- the first 90 days
Offer last checked: 2026-09-04
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Eligible purchases | 3X | Rewards configuration earns 3X in one selected category on up to $2,000 per quarter |
| Eligible purchases | 1X | Rewards configuration earns 1X on other eligible purchases |
| Eligible purchases | 3X | Lower-rate non-rewards configuration is available |
Additional benefits
• Ohio State co-brand design with a choice of Voice card configurations
• Rewards configuration earns 3X in one selected category on up to $2,000 per quarter
• Rewards configuration earns 1X on other eligible purchases
• Lower-rate non-rewards configuration is available
• 0% intro APR for 12 months on qualifying balance transfers made in the first 90 days
Restrictions to know
Features depend on the selected Voice configuration. For rewards, 3X is capped at $2,000 of quarterly spend in the selected category and selection rules apply. The intro balance-transfer offer requires transfers within 90 days; fee is the greater of $10 or 3%. Regular APR follows the selected configuration.
Who can apply
Online application subject to issuer service area and approval
Credit profile: Good–Excellent