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First Hawaiian Bank Heritage MasterCard® Review

Top Features

Cashback on Gas
N/A
Cashback on groceries
N/A
Cashback on other
N/A
Annual Fee
$0 for Personal cards; $50 for Private Banking Platinum cards (card issuer reserves the right to waive the fee so long as you remain a Private Banking customer)

This card compared to other cash back cards

Card Name
First Hawaiian Bank Heritage MasterCard®
Cashback on Gas
N/A
1-5%
Unlimited 1.5% cash back
Cashback on Groceries
N/A
1-5%
Unlimited 1.5% cash back
Cashback on other
N/A
5% cash back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
Unlimited 1.5% cash back
Purchase Intro
APR:
2.99% Intro fixed APR for your first eight billing cycles following the opening of your account
Period:
8 billing cycles
APR:
0%
Period:
14 months
APR:
0% Intro APR on Purchases
Period:
for 15 months
Purchase APR
16.74% for Personal cards and 11.74% for Private Banking Platinum cards (Variable)
11.99% - 23.99% Variable 
15.99%-24.74% Variable 
CardRatings.com Editorial Staff

First Hawaiian Bank Heritage MasterCard® details

Balance Transfer Intro APR:
2.99% Intro fixed APR for your first eight billing cycles following the opening of your account for balance transfers made within thirty days of account opening
Balance Transfer Intro Period:
8 billing cycles
Purchase Intro:
APR:
2.99% Intro fixed APR for your first eight billing cycles following the opening of your account
Period:
8 billing cycles
Purchase APR:
16.74% for Personal cards and 11.74% for Private Banking Platinum cards
Annual Fee:
$0 for Personal cards; $50 for Private Banking Platinum cards (card issuer reserves the right to waive the fee so long as you remain a Private Banking customer)
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 N/A
Margin:
 7.99% or 12.99%
 7.99% or 12.99%
 N/A
APR:
  16.74% for Personal cards and 11.74% for Private Banking Platinum cards
(Variable)
 16.74% for Personal cards and 11.74% for Private Banking Platinum cards
 18.00% (Fixed)
APR Floor:
 N/A
 N/A
 N/A
Intro Rate:
 2.99% Intro fixed APR for your first eight billing cycles following the opening of your account
 2.99% Intro fixed APR for your first eight billing cycles following the opening of your account for balance transfers made within thirty days of account opening
 N/A
Intro Period:
 8 billing cycles
 8 billing cycles
 N/A


Finance Calculation Method:
 Average Daily Balance (including new purchases)
Default/Penalty APR:
 18.00% (Fixed): This Penalty APR will apply until you make six consecutive Minimum Payments when due
Default/Penalty Margin:
 N/A
Default/Penalty APR Floor:
 N/A
Maximum Default APR:
 (Fixed)
Penalty/Default Trigger:
 The Penalty APR will apply if you make a late payment.

Credit Card Fee Information:


Annual Fee:
 $0 for Personal cards; $50 for Private Banking Platinum cards (card issuer reserves the right to waive the fee so long as you remain a Private Banking customer)
Foreign Transaction Fee:
 3% of the U.S. dollar amount of any Purchase or Cash Advance made in a foreign currency
Late Fee:
 Up to $38
Over-the-limit Fee:
 None
Balance Transfer Fee:
Either $5 or 3% of the amount of each transfer, whichever is greater  


Notes:

Rebate Description:
 N/A
Special Notes:
 Credit card offer is currently available online to residents of Hawaii, Guam and the CNMI. The Heritage Credit Card is a no frills credit card for those just getting started with credit or those looking to consolidate higher interest rate balances. Returned Payment Fee: Up to $38.
Credit Card More Information:

Card Issued By:
 First Hawaiian Bank
General Correspondence Address:
999 Bishop Street
Honolulu, HI 96813
Card Type:
 MasterCard
Card Class:
 Other
Card Category:
 
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

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  • Unlimited 1.5% cash back on every purchase - it's automatic
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  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99%-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
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Credit Needed:
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