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 15.24%–26.24%, no annual fee and a 12-month 0% opening period. The purchase rate sits at roughly the 63rd percentile of the 4,587 agreements indexed here.

What this filing discloses

This page covers the agreement Huntington National Bank, the filed for Voice Business Credit Card Terms and Conditions. The filing runs two 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. It is silent on a penalty rate and a foreign transaction fee.

What the promotional rate is worth

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 26.24%, which turns a lingering $2,000 balance into approximately $600 of annual interest.

The promotional window is therefore worth something on the order of $600 on $2,000, measured against the same balance priced at the standard rate for the same period.

The purchase APR against the corpus

Rather than a single purchase rate, the document gives a band — 15.24% at the bottom, 26.24% at the top, 11 points wide. The agreement discloses the range without disclosing how an account is placed within it.

Those two numbers occupy very different places in the corpus: roughly the 35th percentile at the bottom and the 63rd at the top.

The filing marks this rate as variable, which means it moves with the index the agreement names rather than staying where it is quoted today.

Translating the rate into money

The purchase rate turns a $3,000 revolving balance into roughly $900 of annual interest.

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $738. The gap — roughly $162 a year on $3,000 — is the price of this particular filing over a typical one.

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.

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 APR of 28.24%. 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.

The transfer fee is $10 or 3% of the amount transferred, whichever is greater; transferred balances then run at 20.74%. 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 $39, which is around the 63rd percentile here.

Grace period and minimum charge

Purchases carry a 21-day grace period: pay the statement in full inside it and the purchase rate never applies. 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 26.24% sits above 12 of the comparable ones.

On fees, 33 of the 34 sibling filings that disclose an annual fee also set it at zero — this one is among them.

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.

The document itself

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

In short

26.24% 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.