Huntington Cash Back Credit Card Pricing Schedule

The Huntington Cash Back Credit Card Pricing Schedule filing from Huntington National Bank, the sets out a purchase APR of 15.49%–27.49%, no annual fee and a 12-month 0% opening period. That purchase rate ranks near the 66th percentile across this corpus of 4,587 filings.

On the face of the filing

This page covers the agreement Huntington National Bank, the filed for Huntington Cash Back Credit Card Pricing Schedule. The filing runs one page.

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. No figure appears for a penalty rate and a foreign transaction fee.

The interest-free window

The filing discloses a 0% introductory rate running 12 months. For that window, balances covered by the promotion accrue no interest at all.

About 458 agreements in this corpus carry a zero-percent opening rate; this is one of them.

The go-to rate is 27.49%. Any balance still outstanding when the promotion lapses starts accruing at that figure — about $316 a year on $1,000.

Valued honestly, 12 months at zero on $1,000 avoids about $316 of interest compared with the go-to rate — the whole of what the promotion delivers.

The purchase APR against the corpus

The purchase APR is quoted as a range of 15.49% to 27.49%. That 12-point spread is the whole of what the filing commits to; the method for assigning a rate inside it is not in the document.

Read against the index, the low end ranks around the 36th percentile and the high end around the 66th — the band straddles a wide stretch of the market this corpus describes.

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.

What the rate means in dollars

Carry $1,500 on this card for a year without paying it down and the purchase rate alone generates roughly $474 in interest.

Against the corpus median of 21.99%, that is approximately $106 a year of extra interest on the same $1,500.

Broken down to a single thirty-day cycle, the same balance accrues roughly $34.26.

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.

What the card costs before you borrow

There is no annual fee. That is the common case in this corpus — about 75% of the filings that disclose an annual fee at all disclose it as $0 — so it is a baseline expectation rather than a distinguishing feature.

Cash advances carry a cash advance fee of $10 or 5% of the advance, whichever is greater and a cash advance APR of 27.49%.

Balance transfers cost $10 or 3% of the amount transferred, whichever is greater up front and then accrue at 15.49%. Transferring $5,000 would cost roughly $150 at the door.

What a missed payment costs

The maximum late fee is $41 — roughly the 89th percentile of the late fee ceilings disclosed across this index.

The grace period

Purchases carry a 21-day grace period: pay the statement in full inside it and the purchase rate never applies. 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.

The issuer's other agreements

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 27.49% sits above 22 of the comparable ones.

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

What you cannot learn from the filing

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

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

The filed PDF is linked from this page and runs one page. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

27.49% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern. With no annual fee, the cost of the account is entirely a function of whether a balance is carried.