| Rewards | 1 point for each US dollar spent on purchases. There is a 10% year-end bonus on the points you’ve earned during the year. Also — if you spend US$1,000 during a promotional period shortly after opening the card — you get bonus points worth about US$100. |
|---|---|
| Signup Bonus | If you make US$1,000 in net purchases within the first 90 days of opening the account, you receive 10,000 bonus points |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | 29.99% variable APR. |
| Cash Advance Fee | 5% of the amount advanced or a minimum of $10 — whichever is greater. |
| Late Payment Fee | Up to $40 |
| Purchases APR | 19.74% to 29.74% (depending on creditworthiness and other factors). |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Bank of Hawaii Visa Credit Card is best known as a no-frills, no-annual-fee option with simple rewards and occasional intro bonuses. It doesn’t try to be flashy with travel perks or premium benefits — it’s more about everyday spending and basic value.
Most users say they like the straightforward setup: no annual fee, easy approval for locals, and steady 1x rewards on purchases. Many reviewers also appreciate the occasional signup bonus and the fact that it’s tied to a well-known regional bank with solid customer service.
On the downside, users often complain that the rewards rate is nothing special, especially compared to national cash-back cards. High APRs after the intro period and costly cash advances are also common pain points.
Personally, I think this card works best for Bank of Hawaii loyalists who want a simple, low-maintenance card. If you’re chasing high rewards or premium travel perks, you’ll likely find better value elsewhere.
RATE THIS CREDIT CARD
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J
A dependable Island Companion
I got this card while planning frequent trips to see family in Honolulu, and it's quietly become one of my most reliable cards. The travel perks fit my routine, and customer service has been consistently friendly and quick to fix issues.
