| Rewards | Earns Priority Miles through the First Hawaiian Bank Priority Destinations program: 5x miles on travel purchases (up to the annual spending cap) 2x miles on gas, groceries, cable/streaming, phone, and utilities 1x–2x miles on other purchases depending on category/version of the offer. |
|---|---|
| Signup Bonus | 50,000 bonus Priority Miles after meeting minimum spending requirements within the first 3 months |
| Annual Fee | $0 for the first year, then $50 annually |
| Cardmember Agreement | View Here |
| Cash Advance APR | 18.00% fixed APR |
| 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: 0% fixed APR for the first 6 billing cycles Regular APR: 18.00% variable APR after the intro period |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The First Hawaiian Bank Priority Destinations World Elite Mastercard is positioned as a mid-tier travel rewards card, mainly built around earning “Priority Miles” instead of cash back. It’s known for its solid intro bonus, bonus miles on travel and everyday categories, and World Elite Mastercard perks like travel protections and no foreign transaction fees. The annual fee is moderate, with a first-year waiver often used to attract new cardholders.
Most users say they like the straightforward earning structure and the ability to rack up miles quickly on travel and dining. Many reviewers also appreciate that it’s one of the better travel cards available through a regional bank, especially if they already bank with First Hawaiian Bank.
On the downside, people often mention that the rewards program feels less flexible than major airline or transferable points systems. Some also feel the long-term value drops after the first year once the annual fee kicks in, especially if they don’t travel frequently.
Personally, I think this card makes sense for loyal First Hawaiian Bank customers or Hawaii-based travelers who want simple travel rewards without complex point systems. But if you’re a frequent traveler chasing premium perks or transferable points, you’ll likely find stronger competition elsewhere.
RATE THIS CREDIT CARD
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Bro sorry, but some error occurred :O
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Travel Perks That Actually Delivered
After a hectic year of road trips and airfare changes, this card's Priority Pass lounges and travel credit were lifesavers. Easy approvals, no surprise fees, and rewards that genuinely helped cut costs.
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perfect for travelers
I travel a lot for work, and this card has been fanstatic. Excellent travel rewards, airport lounge access, and strong customer service make every trip smoother. Worth the annual fee if you travel often.
