Visa • Rewards
HNBank Freedom Rise®
Start building credit + earn 1.5% cash back
Cash Back Rewards & Benefits
First Credit Card?
Opening an HNBank checking account with a balance may improve approval odds.
Earn 1.5% Cash Back
No expiry on cash back as long as the account stays open.
$25 AutoPay Bonus
Enroll in AutoPay; pick any due date to stay on schedule.
Build Good Habits
On-time payments and low balances help you qualify for upgrades.
Free Credit Score
Monitor your score with HNBank Credit Journey.
No Annual Fee
Enjoy cash back with no annual cost.
Explore Additional Rewards & Benefits
We automatically review your account for credit line increases with responsible use.
Purchase protection and extended warranty on eligible items.
Statement credits, deposits, gift cards or travel through HNBank Travel.
Fast, secure, touch-free checkout.
Limited-time offers with select partners — see your dashboard for details.
Add your card to your mobile wallet and start using right away.
APR ranges, benefits, and offers shown are examples for design. Replace with your official disclosures.