| Rewards | Earn 1 CashPoint per $1 spent on all eligible purchases. |
|---|---|
| Signup Bonus | Typically 20,000 bonus CashPoints after spending $1,500 within the first 3 months of account opening. |
| Annual Fee | None |
| Cardmember Agreement | View Here |
| Cash Advance APR | 18.00% |
| Cash Advance Fee | Either $10 or 5% of each cash advance, whichever is greater. |
| Late Payment Fee | Up to $40 |
| Purchases APR | 18.00% |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The First Hawaiian Bank Priority Rewards Credit Card is mostly known as a simple, no-annual-fee rewards card with straightforward earning — 1 CashPoint per dollar spent — plus a decent welcome bonus for a regional bank card. It’s aimed at everyday spenders who want uncomplicated rewards rather than flashy travel perks.
Most users say they like the easy-to-understand rewards program, lack of an annual fee, and the ability to redeem points for cash back, travel, or gift cards. Many reviewers also mention that longtime First Hawaiian Bank customers appreciate the convenience of keeping their banking and credit products together.
On the downside, cardholders often point out that the rewards rate is fairly average compared to larger national cash-back cards. Some users also mention limited premium perks, a few bonus spending categories, and customer service experiences that can vary depending on the issue.
Personally, I think this card works best for loyal First Hawaiian Bank customers or anyone who prefers simplicity over maximizing rewards. It’s a solid low-maintenance card, but frequent travelers or rewards optimizers will probably find stronger earning rates and perks elsewhere.
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Disappointing Rewards and fees
I expected more from the first Hawaiian Bank Priority Rewards card, but the rewards feel underwhelming compared to the annual fee. Customer service is fine , but rarely feel the benefits outweigh the costs. Not Ideal for everyday use
