Voice Business Credit Card Terms and Conditions

The Voice Business Credit Card Terms and Conditions filing from Huntington National Bank, the sets out a purchase APR of 12.49%–23.49%, no annual fee and a 12-month 0% opening period. Against the 4,587 filings on this site, that rate lands around the 55th percentile.

What the document actually states

Huntington National Bank, the submitted the terms for Voice Business Credit Card Terms and Conditions to the CFPB's agreement database; this is what they contain. The filing runs 16 pages.

Terms captured from the document include a purchase rate, a cash advance rate, a balance transfer rate, an annual fee line and a late payment maximum. It is silent on a penalty rate and a foreign transaction fee.

Zero percent, and then what

This agreement opens at 0% for 12 months, the only period in the document where carrying a balance is free.

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.

The go-to rate is 23.49%. Any balance still outstanding when the promotion lapses starts accruing at that figure — about $1,323 a year on $5,000.

Put the other way round, the 12-month zero rate is worth roughly $1,323 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.

The purchase rate in context

Purchases price between 12.49% and 23.49% under this filing. The 11-point gap between the two is material, and nothing in the agreement indicates where a given account would land.

The floor of that band sits at about the 20th percentile of filed purchase rates; the ceiling sits at about the 55th. In corpus terms the same card can be cheap or expensive depending on how it is priced.

This is disclosed as a variable rate. The number above is a snapshot: it tracks an index, so it changes without the agreement being amended.

What the rate means in dollars

At the disclosed purchase APR, $5,000 revolving for a full year costs something like $1,323 in interest.

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $1,229. The gap — roughly $94 a year on $5,000 — is the price of this particular filing over a typical one.

Broken down to a single thirty-day cycle, the same balance accrues roughly $97.44.

There is also a floor: the filing sets a minimum interest charge of $1, so any cycle that accrues less than that is billed at $1 anyway.

Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.

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.

For cash advances the filing discloses a cash advance APR of 25.49%. Cash is therefore 2 points dearer than buying something with the card. Cash advances also tend to fall outside any grace period, which means interest typically starts on day one rather than at the end of a billing cycle.

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 $7,500 would cost roughly $225 at the door.

Penalty pricing and late fees

Late payments are capped at $39 under this filing, about the 63rd percentile of late fee maximums in the corpus.

The grace period

21 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. That is shorter than the 25-day corpus median.

A minimum interest charge of $1 applies in any cycle where interest is due, which makes very small revolving balances disproportionately expensive.

Inside Huntington National Bank, the's filed lineup

Huntington National Bank, the has 38 agreements indexed on this site. Across that lineup purchase rates span 12.24% to 30.74%; this filing's 23.49% sits above 5 of the comparable ones.

33 of the issuer's other 34 disclosing filings are likewise fee-free.

What is outside the disclosure

Absent from the captured terms: a foreign transaction fee and penalty pricing. The original document is the place to look for any of these.

It is worth being explicit about scope: these filings record terms and pricing. They say nothing about rewards programmes, cardholder benefits, promotional offers or who the issuer will approve, and this review does not speculate about any of it.

The document itself

This summary stands or falls on the linked PDF — 16 pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

The pricing here is middling by the standards of the index — 23.49% on purchases is near enough to typical.