Voice Credit Card Colleague Terms and Conditions

Huntington National Bank, the's filed agreement for Voice Credit Card Colleague Terms and Conditions discloses a 13.74% purchase APR, no annual fee and a 12-month 0% opening period. That purchase rate ranks near the 11th percentile across this corpus of 4,587 filings.

What the agreement puts on the record

The document behind this page is Huntington National Bank, the's filed agreement for Voice Credit Card Colleague Terms and Conditions. The filing runs four pages.

On the record here: a purchase rate, a cash advance rate, a balance transfer rate, an annual fee line and a late payment maximum. No figure appears for 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.

Roughly 458 of the 4,587 filings indexed here disclose a zero-percent introductory rate, so this is a real feature of the document but not a rare one.

Once the introductory period ends the rate becomes 13.74%, which turns a lingering $5,000 balance into approximately $736 of annual interest.

Put the other way round, the 12-month zero rate is worth roughly $736 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

The purchase APR of 13.74% places this agreement around the 11th percentile of the set — it reads as inexpensive against the rest of the filings.

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.

Translating the rate into money

Carry $2,000 on this card for a year without paying it down and the purchase rate alone generates roughly $295 in interest.

The corpus median purchase rate is 21.99%, which on the same $2,000 would cost about $492 a year. This filing saves roughly $197 annually against that benchmark.

Per statement cycle that is on the order of $22.71 on $2,000, which is the number that actually shows up on a bill.

Note the $1 minimum interest charge, which overrides the arithmetic above whenever the calculated interest falls below it.

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.

Paying in full

The filing gives 21 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest. The typical filing here allows 25 days, so this one is tighter than most.

Where interest applies at all, the filing bills at least $1. On a tiny balance that floor can dwarf the rate itself.

When a payment is late

$40 is the disclosed ceiling on a late payment fee, placing it near the 72nd percentile of the set.

Fees, and what triggers them

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 25.74%. Cash is therefore 12 points dearer than buying something with the card.

Balance transfers cost $10 or 3% of the amount transferred, whichever is greater up front and then accrue at 18.74%. Transferring $5,000 would cost roughly $150 at the door.

How it sits in the issuer's own range

Huntington National Bank, the has 38 agreements indexed on this site. The issuer's own range is 12.24%–30.74%. At 13.74%, this agreement is dearer than 1 of its siblings.

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

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.

More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.

Where the authority sits

The original filing, 4 pages long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.

In short

The purchase rate of 13.74% is one of the cheaper figures in this index — the central point in the agreement's favour.