Voice Credit Card Terms and Conditions

Huntington National Bank, the's filed agreement for Voice Credit Card Terms and Conditions discloses a purchase APR of 12.74%–26.74%, no annual fee and a 0% opening rate. That purchase rate ranks near the 64th percentile across this corpus of 4,587 filings.

On the face of the filing

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

The filing is explicit about 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.

The filing bundles multiple products into one disclosure table. Any figure quoted here may describe a related card in the same filing, so the PDF should be read before treating these numbers as this card's own.

The interest-free window

A 0% promotional rate appears in the document without an accompanying term — the length of the window is not captured.

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 26.74%. Any balance still outstanding when the promotion lapses starts accruing at that figure — about $766 a year on $2,500.

The purchase APR against the corpus

Purchases price between 12.74% and 26.74% under this filing. The 14-point gap between the two is material, and nothing in the agreement indicates where a given account would land.

Those two numbers occupy very different places in the corpus: roughly the 21st percentile at the bottom and the 64th at the top.

The agreement labels the purchase rate variable, so the quoted figure reflects the index at the time of filing rather than a locked-in price.

To be precise about which number this is: the filing identifies it as the rate that takes over after the introductory period, not the introductory rate.

The cost of carrying a balance

The purchase rate turns a $4,000 revolving balance into roughly $1,226 of annual interest.

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $983. The gap — roughly $242 a year on $4,000 — is the price of this particular filing over a typical one.

Month to month it reads as about $88.85 per cycle on that balance.

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.

What the card costs before you borrow

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.

Cash advances carry a cash advance fee of $10 or 3% of the advance, whichever is greater and a cash advance APR of 24.74%. 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.

Balance transfers cost $10 or 3% of the amount transferred, whichever is greater up front and then accrue at 6.74%. Transferring $2,000 would cost roughly $60 at the door.

Penalty pricing and late fees

On the fee side, a late payment can cost up to $40, which is around the 72nd percentile here.

Paying in full

Anyone clearing the statement balance inside 21 days pays no purchase interest at all under this filing. With a corpus median of 25 days, this window is narrower than the norm.

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 26.74% sits above 17 of the comparable ones.

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

What you cannot learn from the filing

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

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.

The document itself

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

In short

At 26.74% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers. The absence of an annual fee means the rate is the only thing that can make this card expensive. And because the filing covers several products in one table, even the figures that are right may belong to a different card.