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Yes, a county can potentially earn rebates by paying eligible bills with a commercial card—but only if the rebate outweighs any card or supplier fees and the spending complies with public-purchasing rules. Trumbull County, Ohio, has not been shown to approve such a program: commissioners heard a Huntington Bank presentation on October 6, 2026, according to WKBN.
What Trumbull County is considering
Huntington Bank presented a proposal for Trumbull County to join the Ohio County Commercial Card Consortium. Under the model described in the report, the county could receive cash-back rebates tied to consortium spending. Commissioner Tony Bernard said the arrangement could produce monthly cash-back dollars and an additional year-end benefit through consortium membership.
The report establishes that commissioners heard a presentation, not that they approved the program or signed a contract. No Trumbull County rebate rate, eligible-spending rules, fees, or final agreement terms are established in the available account.
How much money might a county receive?
Bernard told WKBN that Mahoning County receives between $120,000 and $140,000 annually from the system. That is his reported estimate, not an independently verified figure from Mahoning County’s audited accounts—and it is not a projection for Trumbull County. The rebate a county receives depends on its own eligible spending and the agreement’s terms.
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There is a documented example of different terms elsewhere in Ohio. A November 13, 2023, Summit County resolution records a Huntington procurement-card rebate of 1.1% to 1.8% of net annual charge volume, depending on volume; it also identifies 0.590% as the prior contract’s rebate rate. Those are Summit County contract figures, not the offer made to Trumbull County.
Huntington’s May 2023 proposal document describes an annual cash rebate calculated on total consortium spending. The bank’s descriptions of processing, cash flow, and support are vendor claims, not independent proof of how a specific county contract performs. Its commercial-card page describes monthly rebate credits and online management and reporting, but a county’s actual agreement may differ.
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When cash back is—and is not—a net gain
The relevant measure is the rebate after costs, not the advertised rebate percentage by itself. Treasurer Agostino Ragozzino said the county would use a card to pay bills only if the card carries no fee and the supplier does not charge the county to accept it. A fee or surcharge could erase some or all of the rebate; the report does not establish that either applies to Huntington’s proposal.
Before estimating savings, a county would need the proposed terms and answers to questions such as:
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- Which purchases and bills qualify for rebates, and which are excluded?
- Are rebates based on gross or net spending, and do rates change at spending thresholds?
- When are rebates credited, and are there card, account, or other program fees?
- Do suppliers accept the card without a surcharge, and what are the payment terms?
- What transaction limits, approval steps, reporting, and reconciliation controls apply?
- How long does the agreement run, and what are its exit terms and implementation requirements?
These are checks for evaluating a contract, not claims that any particular fee, exclusion, or requirement appears in the Trumbull proposal.
Ohio law sets rules for county card spending
Ohio Revised Code §301.27 governs county credit cards. It requires a county policy adopted by resolution in consultation with the county auditor. Card use is limited to work-related purchases serving a public purpose and payable from available appropriated money. The retrieved code version is effective October 3, 2023.
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County procurement cards are addressed separately in Ohio Revised Code §301.29, whose retrieved version is effective April 9, 2025. That section defines procurement cards separately from credit cards authorized under §301.27 and requires a resolution-based policy developed with the auditor’s advice, including controls limiting eligible work expenses and transaction activity. The news report’s use of the phrase “credit card” does not establish which statutory instrument or county policy would govern the contemplated program.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.What other county records show
Summit County Council’s Resolution 2023-351 documents Summit County’s Huntington procurement-card contract and consortium participation, including the rates described above. It is evidence of one county’s 2023 terms, not a benchmark or promise for Trumbull.
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Mahoning County’s July 6, 2023 commissioners’ agenda lists a resolution approving Huntington Commercial Card Accounts to join a consortium of counties and county agencies. The agenda supports that the resolution was on the agenda; it does not verify later rebate receipts or their amount.
What to watch for in Trumbull County
A later county resolution, meeting record, or signed agreement would clarify whether Trumbull County approved the proposal and establish the negotiated rebate, fees, eligible purchases, payment terms, and controls. Until then, the proposal is a possible revenue source, not approved revenue or a confirmed savings estimate.
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