Visa • Rewards
HNBank Sapphire Reserve®
Earn 125,000 bonus points
Cash Back Rewards & Benefits
First Credit Card?
Increase your approval chances by opening checking & keeping balances healthy.
Earn 3x on Dining & Travel
Boost rewards on everyday experiences. Points never expire.
AutoPay Bonus
$25 statement credit when you enroll in automatic payments.
Path to Upgrade
We evaluate your account annually for enhanced benefits.
Free Credit Score
Track your score and learn how to build with HNBank Credit Journey.
No Foreign Transaction Fees
Shop globally without added fees.
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.