The Hanmi Bank is a personal credit card from Hanmi Bank. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is 17.99% to 28.24% variable, based on the Prime Rate after a 0% introductory APR on purchases and balance transfers introductory rate. Signup bonus: 15,000 bonus points after spending $500 in eligible net purchases within the first 90 days of account opening (subject to change). Rewards: 4X points on dining, takeout and restaurant delivery (first $2,000 each quarter); 2X points at grocery stores, gas stations and EV charging stations, and eligible streaming services; 1X points on all other eligible purchases. This product reports activity to your personal credit report.