| Rewards | Cardholders earn 2 points per $1 of net purchases, which the terms say is “equal to 2% back." |
|---|---|
| Signup Bonus | None |
| Annual Fee | None |
| Cardmember Agreement | View Here |
| Cash Advance APR | 27.49%, variable based on the Prime Rate |
| Cash Advance Fee | Either $5 or 5% of each cash advance, whichever is greater |
| Late Payment Fee | $35 if your “New Balance” is less than $500, $39 if it’s $500 or more. |
| Purchases APR | 18.24% to 24.24%, variable based on creditworthiness and the Prime Rate |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The First Bankcard / American Savings Bank (ASB Hawaii) Business Edition Visa is known for being a simple, no-annual-fee business card with straightforward rewards. It typically earns a flat 2% back in points on purchases, and unlike many business cards, it doesn’t rely on complicated categories or travel perks. There’s usually no signup bonus, which many business owners notice right away.
Most users say they appreciate the predictable rewards and the fact that the card is issued through First Bankcard, which tends to offer solid, dependable customer service. Many reviewers mentioned that redemption is easy and that ASB customers like keeping their banking and credit card activity under one roof.
On the flip side, cardholders often complain about the lack of a welcome bonus, limited extras, and relatively plain features compared with bigger national business cards. Some also feel the rewards structure—while easy—isn’t competitive with higher-earning cash-back or travel cards.
Personally, I think this card works best for Hawaii-based small businesses that want a clean, uncomplicated rewards setup and already bank with ASB. But if you’re aiming for big bonuses or premium perks, stronger options exist elsewhere.
RATE THIS CREDIT CARD
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Helpful for my small business
I use this card for my business expenses. I like how it keeps everything separate from my personal spending. The tools and reports are useful. Rewards are fine but not amazing. Still a strong pick for business owners.
