The Huntington National BankHuntington® Cashback Credit CardRegistry illustration · issuer artwork unavailable

Huntington® Cashback Credit CardThe Huntington National Bank · N bank, AL · FDIC 6560

CurrentLast observed Aug 23, 2026Source date Aug 23, 2026Official issuerCredit card · Consumer

Open the document Download JSONAdd to compare

Purchase APR

16.74%–30.74%

p.1variable

Balance transfer

—

Cash advance APR

28.74%–33.74%

p.1variable

Annual fee

p.1none

Foreign fee

—

Grace period

—

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	16.74%–30.74% variableThe Huntington National Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“16.74% - 30.74% based on creditworthiness. This APRwill vary with the market based on the Prime Rate. 1”The Huntington National Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for balance transfers	—	no source read
APR for cash advances	28.74%–33.74% variableThe Huntington National Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“28.74% - 33.74% based on creditworthiness. This APRwill vary with the market based on the Prime Rate. 3”The Huntington National Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	$0The Huntington National Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“None”The Huntington National Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Transaction fees
Cash advance	—	no source read
Balance transfer	—	no source read
Foreign transaction	—	no source read
Penalty fees
Late payment	up to $40The Huntington National Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“Up to $40”The Huntington National Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Returned payment	—	no source read

cashback-agreepage 1 of 14

Huntington ® Cashback Credit Card Terms and Conditions

THE HUNTINGTON CREDIT CARD CARDHOLDER AGREEMENT (WHICH WILL BE INCLUDED IN THE CARD PACKAGE IF YOU ARE APPROVED) INCLUDES AN ARBITRATION PROVISION AND A JURY TRIAL WAIVER. IF A DISPUTE BETWEEN YOU AND US IS ARBITRATED, THE ARBITRATION PROVISION, UNLESS REJECTED BY YOU WILL SUBSTANTIALLY AFFECT YOUR RIGHTS, INCLUDING YOUR RIGHT TO HAVE A COURT OR JURY TRIAL OR TO BRING, JOIN IN OR PARTICIPATE IN CLASS PROCEEDINGS. IF THE DISPUTE IS NOT ARBITRATED, THE JURY TRIAL WAIVER WILL ELIMINATE YOUR RIGHT TO A TRIAL BY JURY IN COURT. HOWEVER, THE ARBITRATION PROVISION AND JURY TRIAL WAIVER WILL NOT APPLY TO THE EXTENT THAT YOU ARE A 'COVERED BORROWER' PROTECTED BY THE MILITARY LENDING ACT.

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases · 16.74% - 30.74% based on creditworthiness. This APRwill vary with the market based on the Prime Rate. 1 APR for Balance Transfers · 0.00% Introductory APRfor the first 12 billing cycles following account opening on any balance transfer made within the first 90 days following account opening. 2 After that, your APRwill be 16.74% - 30.74% based on creditworthiness. This APRwill vary with the market based on the Prime Rate. 1 APR for Cash Advances · 28.74% - 33.74% based on creditworthiness. This APRwill vary with the market based on the Prime Rate. 3 How to Avoid Paying Interest on Purchases · The payment due date is at least 21 days after the close of each billing cycle. Wewill not charge interest on purchases if the entire balance is paid by the due date each month.We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge · If interest is charged, the charge will be no less than $1.00. For Credit Card Tips from the Consumer Financial Protection Bureau · To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore . Fees Annual Fee · None Transactions Fees • Balance Transfer · The greater of $10.00 or 3% of the amount of each Balance Transfer. • Cash Advance · The greater of $10.00 or 3% of the amount of each Cash Advance. Penalty Fees • Late Payment · Up to $40

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

1 We add a margin of between 8.74 % and 22.74 % to the Prime Rate to determine the Purchase/Balance Transfer APR.

2 Loss of Introductory Rate: We may end your introductory APR and apply the post-introductory Purchase/Balance Transfer APR if all or part of your required minimum monthly payment is more than 60 days late.

3 We add a margin of between 20.74 % and 25.74 % to the Prime Rate to determine the Cash Advance APR.

1 2 3 4 5 6 7 8 9 10 11 12 13 14Page 1 is cited

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

The Huntington National Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“28.74% - 33.74% based on creditworthiness. This APRwill vary with the market based on the Prime Rate. 3”
Read exact source ↗
The Huntington National Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“16.74% - 30.74% based on creditworthiness. This APRwill vary with the market based on the Prime Rate. 1”
Read exact source ↗
The Huntington National Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“None”
Read exact source ↗
The Huntington National Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Up to $40”
Read exact source ↗
The Huntington National Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“If interest is charged, the charge will be no less than $1.00.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
The Huntington National Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“If interest is charged, the charge will be no less than $1.00.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
The Huntington National Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“If interest is charged, the charge will be no less than $1.00.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
The Huntington National Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“If interest is charged, the charge will be no less than $1.00.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
The Huntington National Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“If interest is charged, the charge will be no less than $1.00.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
The Huntington National Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“If you are charged interest, the charge will be no less than $1.00”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
The Huntington National Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your due date is at least 21 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
The Huntington National Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your due date is at least 21 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
The Huntington National Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“If interest is charged, the charge will be no less than $1.00.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
The Huntington National Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“If interest is charged, the charge will be no less than $1.00.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
The Huntington National Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“If interest is charged, the charge will be no less than $1.00.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
The Huntington National Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“If interest is charged, the charge will be no less than $1.00.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗

History

dates on sources or when they were captured

Aug 23, 2026: Annual fee, Cash advance APR, Late payment fee, Purchase APR

Offered through: The Huntington National Bank
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 6560
Branches: 1,627 in AL, AR, CO, FL, GA, IL, IN, KY, LA, MI, MN, MO, MS, NC, OH, PA, SC, TN, TX, WI, WV
Sources: Official issuer · 10 documents · 1 page cited

Documents

CBCARDSCHUMERBOXCUSTSTATeffective date not parsed
cashback-agreeeffective date not parsed
CBCARDSCHUMERBOXCUSTSTATeffective date not parsed
Cashback_Agreeeffective date not parsed
cashback-agreeeffective date not parsed
CBCARDSCHUMERBOXCUSTSTATeffective date not parsed
cashback-agreeeffective date not parsed
cashback-agree7.22effective date not parsed
cashback-agreeeffective date not parsed
Huntington Cash Back Credit Card Pricing Scheduleeffective date not parsed

Huntington® Cashback Credit CardThe Huntington National Bank · N bank, AL · FDIC 6560

Rates and fees