Huntington Cashback Credit Card Terms and Conditions

Huntington National Bank, the's filed agreement for Huntington Cashback Credit Card Terms and Conditions discloses a purchase APR of 16.24%–30.24%, no annual fee and a 12-month 0% opening period. Against the 4,587 filings on this site, that rate lands around the 75th percentile.

What this filing discloses

What follows is drawn entirely from Huntington National Bank, the's CFPB filing for Huntington Cashback Credit Card Terms and Conditions. The filing runs two pages.

The disclosure covers a purchase rate, a cash advance rate, a balance transfer rate, an annual fee line and a late payment maximum. A penalty rate and a foreign transaction fee are not stated.

Zero percent, and then what

A 12-month promotional period at 0% is on the record here — during it, qualifying balances cost nothing to carry.

Zero-percent openings appear in roughly 458 of the filings on this site, which puts this agreement in a sizeable minority rather than a class of its own.

Once the introductory period ends the rate becomes 30.24%, which turns a lingering $5,000 balance into approximately $1,765 of annual interest.

Put the other way round, the 12-month zero rate is worth roughly $1,765 on a $5,000 balance relative to paying the go-to rate from day one — a real figure, but one that only materialises for someone who was going to carry that balance anyway.

How the purchase rate compares

This is a tiered agreement: the filing discloses a purchase APR anywhere from 16.24% to 30.24%, a spread of 14 percentage points. Which end of that band applies is set by the issuer at account opening and the filing does not say how.

Read against the index, the low end ranks around the 40th percentile and the high end around the 75th — the band straddles a wide stretch of the market this corpus describes.

The filing marks this rate as variable, which means it moves with the index the agreement names rather than staying where it is quoted today.

What the rate means in dollars

A $2,000 balance left untouched for twelve months accrues about $706 in interest at this purchase rate.

Against the corpus median of 21.99%, that is approximately $214 a year of extra interest on the same $2,000.

Per statement cycle that is on the order of $50.31 on $2,000, which is the number that actually shows up on a bill.

Small balances do not get a proportionally small bill — the agreement imposes a $1 minimum interest charge in any month where interest applies.

These figures are arithmetic on the disclosed rate, not a quote: they assume the balance is never reduced, ignore any payments, and take no account of fees charged separately.

When a payment is late

Late payments are capped at $40 under this filing, about the 72nd percentile of late fee maximums in the corpus.

Charges beyond interest

The annual fee is $0. Roughly 75% of filings here that state a fee state zero, so the absence of one is unremarkable in this market.

Taking cash against the card means a cash advance fee of $10 or 3% of the advance, whichever is greater and a cash advance APR of 28.24%. $333 is the crossover point where the percentage overtakes the $10 minimum.

Moving a balance onto this card carries an up-front charge of $10 or 3% of the amount transferred, whichever is greater, with the transferred balance priced at 20.74%. Transferring $3,000 would cost roughly $90 at the door.

The no-interest path

Anyone clearing the statement balance inside 21 days pays no purchase interest at all under this filing. That is shorter than the 25-day corpus median.

The $1 minimum interest charge means the effective cost of carrying a very small balance is far higher than the quoted APR implies.

The issuer's other agreements

This is one of 38 Huntington National Bank, the agreements collected here. The issuer's own range is 12.24%–30.74%. At 30.24%, this agreement is dearer than 31 of its siblings.

The limits of this document

This page cannot tell you a foreign transaction fee and penalty pricing, because the filing's disclosure table as read does not contain them.

An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.

Go to the source

This summary stands or falls on the linked PDF — two pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

30.24% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern. The absence of an annual fee means the rate is the only thing that can make this card expensive.