| Rewards | Earns Priority Miles Common structure: 3x miles on travel purchases (up to an annual cap) 1.5x miles on gas, groceries, utilities, cable, and phone 1x mile on everything else |
|---|---|
| Signup Bonus | 15,000 bonus Priority Miles after spending about $1,500 in the first 3 months |
| Annual Fee | $0 |
| 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 | 0% intro APR for first 6 billing cycles (promotional offers vary) After intro period: 18.00% variable APR |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The First Hawaiian Bank Priority Destinations World Mastercard is a fairly simple travel rewards card that earns “Priority Miles” instead of cash back. It’s known for its modest annual fee (often $0 in some offers or low-cost otherwise), a small intro bonus, and straightforward bonus categories like travel, gas, and everyday spending. The rewards are tied to First Hawaiian Bank’s travel booking system rather than flexible airline transfers.
Most users say they like how easy the card is to understand and use. Many reviewers mention that it’s easier to get approved for compared to big national travel cards, and the no foreign transaction fees make it decent for occasional travel. Some also appreciate it as a stepping stone into travel rewards without much complexity.
On the downside, many complaints focus on the limited value of the rewards. People often say the miles don’t stretch as far as airline or transferable points, and the signup bonus is relatively small. Others feel the card lacks long-term appeal once the intro benefits are gone.
Personally, I think this card works best for casual travelers or First Hawaiian Bank customers who want a no-frills miles card. But if you’re serious about maximizing travel rewards, most users would eventually move on to stronger World Elite or airline-specific cards.
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Underwhelming for Frequent Flyers
I took this card hoping for travel perks, but limited lounge access and weak point value left me disappointed after a few trips. Fees felt steep compared to the benefits received.
