Zero+ CardHanmi Bank · NM bank, CA · FDIC 24170
CurrentLast observed Oct 14, 2026Source date Oct 14, 2026Official issuerCredit card · Consumer
Purchase APR
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Cash advance APR
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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 14, 2026 · Captured Oct 14, 2026 | “0% Introductory APR on purchases and balance transfers for up to 24 billing cycles”Hanmi Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR for balance transfersintroductory rate first | 0%Hanmi Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “0% Introductory APR on purchases and balance transfers for up to 24 billing cycles”Hanmi Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 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 | Zero annual fee plus travel rewardsHanmi Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Zero annual fee plus travel rewards”Hanmi Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| 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 | 0% Introductory APR on purchases and balance transfers for up to 24 billing cyclesHanmi Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “0% Introductory APR on purchases and balance transfers for up to 24 billing cycles”Hanmi Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Cash back | 4% cash back. Payment timing is not disclosed. 4% Cash back on travel booked with the card in the Rewards Center (prepaid airfare, attractions, car rental and hotel)Hanmi Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “4% Cash back on travel booked with the card in the Rewards Center (prepaid airfare, attractions, car rental and hotel)”Hanmi Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Recurring statement credit · annual statement credit | $15 statement credit. Per 12-month period. See source conditions for the period's start date. Payment timing is not disclosed. $15 Annual statement credit for making purchases for 11 consecutive monthsHanmi Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “$15 Annual statement credit for making purchases for 11 consecutive months”Hanmi Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |