| Rewards | None |
|---|---|
| Signup Bonus | None |
| Annual Fee | None |
| Cardmember Agreement | View Here |
| Cash Advance APR | 18.00% fixed |
| Cash Advance Fee | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Late Payment Fee | Up to $40 |
| Purchases APR | Intro APR: 2.99% fixed for the first 8 billing cycles Regular APR: currently 16.24% variable based on the U.S. Prime Rate (older sources list 18.00% variable) |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The First Hawaiian Bank Heritage Card is a pretty old-school credit card that’s mainly known for its low intro APR offer and no annual fee, rather than rewards or flashy perks. It doesn’t offer cash back, travel points, or a signup bonus, so most people look at it as a simple balance transfer or financing card.
Most users say they appreciate the straightforward structure and the introductory APR on purchases and balance transfers. Many reviewers mentioned that it’s easy to understand, with fewer gimmicks than bigger national cards. Cardholders who already bank with First Hawaiian Bank also seem to like the local customer service experience.
On the downside, many users point out that the card feels outdated compared to modern rewards cards. The lack of rewards, limited perks, and relatively average ongoing APR make it less competitive today. Some reviewers also mention that availability is more regional and not as accessible nationwide.
Personally, I think this card makes the most sense for someone who wants a basic, low-maintenance credit card and values intro financing over rewards. But if you’re chasing cash back, travel perks, or a big welcome bonus, there are much stronger options out there.
RATE THIS CREDIT CARD
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Bro sorry, but some error occurred :O
J
A surprisingly smooth experience
I wasn't sure what to expect from the first Hawaiian bank heritage card, but it's been a pleasant surprise. Transactions post quickly, and the fraud alerts are fast without being annoying. It doesn't try to be a flashy rewards card, yet it's reliable and easy to manage. Feels like a steady, no nonsense option that quietly gets everything right
K
Local Bank Fee
the card’s rewards and features feel a bit dated compared to national cards. The reward rate is modest, foreign transaction fees are not always waived (which matters for travel), and perks beyond “standard” are thin. If you don’t travel or spend big it’s okay—but if you want premium benefits, you’ll likely go elsewhere.
So I’d give it 2.8 stars. Good local bank, but not the best value if you’re comparing broadly.
