Business Zero+Hanmi Bank · NM bank, CA · FDIC 24170
CurrentLast observed Oct 16, 2026Source date Oct 16, 2026Official issuerCredit card · Business
Purchase APR
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Cash advance APR
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Annual fee
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Foreign fee
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Grace period
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Rates and fees
| Term | Value | As printed in the source | Source |
|---|---|---|---|
| APR for purchasesintroductory rate first | 0%Hanmi Bank · Page Capture Oct 16, 2026 · Captured Oct 16, 2026 | “구매 및 밸런스 이체 (Balance Transfer) 최대 18회 청구주기(billing cycle) 동안 0% APR 제공”Hanmi Bank · Page Capture Oct 16, 2026 · Captured Oct 16, 2026 | Website |
| APR for balance transfersintroductory rate first | 0%Hanmi Bank · Page Capture Oct 16, 2026 · Captured Oct 16, 2026 | “구매 및 밸런스 이체 (Balance Transfer) 최대 18회 청구주기(billing cycle) 동안 0% APR 제공”Hanmi Bank · Page Capture Oct 16, 2026 · Captured Oct 16, 2026 | Website |
| APR for cash advances | — | no source read | |
| Penalty APRafter a late or returned payment | — | no source read | |
| Paying interestgrace period on new purchases | — | no source read | |
| Annual fee | — | no source read | |
| 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 | |
| APR qualificationsBalance transfer · Introductory; Purchase · Introductory | 구매 및 밸런스 이체 (Balance Transfer) 최대 18회 청구주기(billing cycle) 동안 0% APR 제공Hanmi Bank · Page Capture Oct 16, 2026 · Captured Oct 16, 2026 | “구매 및 밸런스 이체 (Balance Transfer) 최대 18회 청구주기(billing cycle) 동안 0% APR 제공”Hanmi Bank · Page Capture Oct 16, 2026 · Captured Oct 16, 2026 | Website |
| Cash back | 5% cash back. Payment timing is not disclosed. 리워드 센터에서 카드로 예약한 여행 (선불 항공권, 관광지, 렌터카, 호텔 등) 결제 시 5% 캐시백Hanmi Bank · Page Capture Oct 16, 2026 · Captured Oct 16, 2026 | “리워드 센터에서 카드로 예약한 여행 (선불 항공권, 관광지, 렌터카, 호텔 등) 결제 시 5% 캐시백”Hanmi Bank · Page Capture Oct 16, 2026 · Captured Oct 16, 2026 | Website |
| Recurring statement credit · annual travel credit | $50 statement credit. Qualifying purchase threshold: $5,000. See source conditions. Per 12-month period. See source conditions for the period's start date. Payment timing is not disclosed. •연간 $50 스테이트먼트 크레딧 제공. 계좌 소유자 및 직원 카드는 리워드 센터에서 $5,000 이상 집계(Booking)될 경우 해당 크레딧을 받을 수 있음 Hanmi Bank · Page Capture Oct 16, 2026 · Captured Oct 16, 2026 | “•연간 $50 스테이트먼트 크레딧 제공. 계좌 소유자 및 직원 카드는 리워드 센터에서 $5,000 이상 집계(Booking)될 경우 해당 크레딧을 받을 수 있음”Hanmi Bank · Page Capture Oct 16, 2026 · Captured Oct 16, 2026 | Website |