Huntington Cashback Credit Card Terms and Conditions

On the record for Huntington Cashback Credit Card Terms and Conditions: a purchase APR of 14.24%–28.24%, no annual fee and a 12-month 0% opening period, filed by Huntington National Bank, the. Against the 4,587 filings on this site, that rate lands around the 68th percentile.

The disclosed terms

Huntington National Bank, the submitted the terms for Huntington Cashback Credit Card Terms and Conditions to the CFPB's agreement database; this is what they contain. The filing runs 18 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. No figure appears for a penalty rate and a foreign transaction fee.

Zero percent, and then what

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

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.

Behind the promotion sits a 28.24% purchase rate. On $5,000 that is in the region of $1,631 a year once the window closes.

The promotional window is therefore worth something on the order of $1,631 on $5,000, measured against the same balance priced at the standard rate for the same period.

Pricing the purchase rate

The purchase APR is quoted as a range of 14.24% to 28.24%. That 14-point spread is the whole of what the filing commits to; the method for assigning a rate inside it is not in the document.

The floor of that band sits at about the 28th percentile of filed purchase rates; the ceiling sits at about the 68th. In corpus terms the same card can be cheap or expensive depending on how it is priced.

Because the rate is variable, the figure quoted is tied to an index and will drift with it. Nothing here is a fixed commitment.

What the rate means in dollars

Put $1,000 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $326.

Against the corpus median of 21.99%, that is approximately $80 a year of extra interest on the same $1,000.

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.

Grace period and minimum charge

21 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. With a corpus median of 25 days, this window is narrower than the norm.

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

The maximum late fee is $40 — roughly the 72nd percentile of the late fee ceilings disclosed across this index.

What the card costs before you borrow

No annual fee appears in the filing, in line with the roughly 75% of disclosing agreements in this index that charge nothing to hold the card.

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 26.24%. Advances under roughly $333 are charged the flat $10; larger ones are charged 3%.

Balance transfers cost $10 or 3% of the amount transferred, whichever is greater up front and then accrue at 20.74%. Shifting $2,000 across attracts something like $60 in fees on day one.

Inside Huntington National Bank, the's filed lineup

Huntington National Bank, the has 38 agreements indexed on this site. Their disclosed purchase rates run from 12.24% to 30.74%, and this one at 28.24% is more expensive than 26 of them.

What the filing does not tell you

The disclosure parsed here does not state a foreign transaction fee and penalty pricing. Those gaps are gaps in what could be read from the filing, and the PDF may well address them in prose the rate table does not capture.

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.

Go to the source

This summary stands or falls on the linked PDF — 18 pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

28.24% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern. Because there is no annual fee, everything depends on the revolving behaviour: used as a payment instrument and cleared monthly, this agreement costs nothing.