The Huntington Bank is a business credit card from Huntington Bank. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 14.74% - 25.74% variable based on creditworthiness (Prime Rate + 7.74% to 18.74%) (terms accurate as of 10/2026) after a 0% intro APR on balance transfers only (first 12 billing cycles following account opening, on balance transfers made within the first 90 days); no purchase intro APR introductory rate for 14 months. Approval typically requires a credit score of Good (670+) or higher. Signup bonus: Earn $200 after spending $1,000 in the first 90 days. Rewards: 4% cash back in one category you choose from ten (first $7,000 spent per quarter), 1% cash back on all other purchases; category can be changed each quarter. Cash back: 1.5% on all purchases. Typical credit limit: $500 - $10,000. Loan terms: Revolving business credit card; payment due at least 21 days after the close of each billing cycle; no interest on purchases if the entire balance is paid by the due date; Late Fee Grace (one extra day to pay the minimum without a late fee). This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). No annual fee and flexible cash back rewards.