The Huntington National BankVoice Business Credit CardRegistry illustration · issuer artwork unavailable

Voice Business Credit CardThe Huntington National Bank · N bank, AL · FDIC 6560

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

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Purchase APR

12.49%–23.49%

p.1variable

Balance transfer

—

Cash advance APR

25.49%

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	12.49%–23.49% variableThe Huntington National Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“12.49% - 23.49% 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	25.49% variableThe Huntington National Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“25.49% 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	—	no source read
Returned payment	—	no source read

VoiceBusinessCreditCardESSpage 1 of 15

Voice Business Credit Card Terms and Conditions SM

By submitting an application, you, the owner or authorized officer, are requesting on behalf of the Business that Huntington National Bank ('we', 'us' and 'our') open a Voice Business Credit Card SM account in the name of the Business and to issue cards accessing the account to persons that you designate. The application is subject to our approval, and if approved, any credit will be extended by us. You acknowledge and agree on behalf of yourself and the Business to any other terms and conditions set forth below and that (i) if you agreed to be a personal guarantor, you and the Business shall be jointly and severally liable for all charges and balances on the account, (ii) all information provided in the application is correct, complete and subject to verification by us and (iii) the account may be used solely for business purposes and is governed by the Voice Business Credit Card SM Agreement ('Card Agreement') provided in the credit card account opening package. The Card Agreement includes an arbitration provision. If a dispute with us is arbitrated, the arbitration provision, unless rejected, will substantially affect your and the Business's rights 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 the right to a trial by jury in court.

Federal law requires Huntington to obtain, verify and record information to identify each person opening an account in order to help the government fight the funding of terrorism and money laundering activities. Before an account is opened, we will ask for your and the Business's name, address, date of birth (for individuals) and other information that will allow us to identify you and the Business. We may ask to see your driver's license or other identifying documents and obtain identification information about you, the Business and any authorized users.

You may be required to submit additional documentation, such as the Business's financial statements, in order to process the request for credit. You must be at least 18 years of age to apply.

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases · 12.49% - 23.49% 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. After that, your APRwill be 2 at or between 12.49% - 23.49% based on creditworthiness. This APRwill vary with the market based on the Prime Rate. 1 APR for Cash Advances · 25.49% 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. Minimum Interest Charge · If interest is charged, the charge will be no less than $1.00

Fees Annual Fee · None Transactions Fees • Balance Transfer • Cash Advance · The greater of $10.00 or 3% of the amount of each Balance Transfer The greater of $10.00 or 3% of the amount of each Cash Advance Penalty Fees • Late Payment • Returned Check · Up to $39 Up to $39

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15Page 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
“25.49% 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
“12.49% - 23.49% 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
“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
“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.”
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
“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.”
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
“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.”
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
“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.”
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
“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.”
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
“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.”
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
“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.”
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
“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.”
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, 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 · 8 documents · 1 page cited

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Voice Business Credit CardThe Huntington National Bank · N bank, AL · FDIC 6560

Rates and fees