The Hanmi Bank is a personal credit card from Hanmi Bank. Application typically pulls a hard report from TransUnion. The annual fee is $99 Annual fee (waived first year). The ongoing APR is 19.24% to 28.24% variable, based on creditworthiness and Prime Rate. Signup bonus: 25,000 points (worth up to $250) when you spend $2,000 within the first 120 days. Rewards: 4X points on eligible travel, gas stations and EV charging stations, entertainment and recreation purchases (excludes discount stores/supercenters and wholesale clubs); 1.5X points on all other eligible purchases; complimentary Priority Pass Select membership. This product reports activity to your personal credit report.