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About Our Ratings

First Hawaiian Bank Heritage MasterCard® Review

First Hawaiian Bank Heritage MasterCard® details

Balance Transfer Intro APR:
2.99% Fixed
Balance Transfer Intro Period:
APR:
8 billing_cycles
Balance Transfer Fee:
3% ($5 min. - $50 max.)
Annual Fee:
$0 - $50
see more details ∨

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 N/A
Margin:
 7.99 - 12.99
 7.99 - 12.99
 N/A
APR:
  11.24% - 16.24% Variable
 11.24% - 16.24% Variable
 18% Fixed
APR Floor:
 None
 None
 None
Intro Rate:
 2.99% Fixed
 2.99% Fixed
 None
Intro Period:
 8 billing_cycles
 8 billing_cycles
 None


Finance Calculation Method:
 Average Daily Balance
Default/Penalty APR:
 18% Fixed
Default/Penalty Margin:
 N/A
Default/Penalty APR Floor:
 
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 - $50
Foreign Transaction Fee:
 2.50%
Late Fee:
 N/A
Over-the-limit Fee:
 N/A
Balance Transfer Fee:
3% ($5 min. - $50 max.)  


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. APR for Purchases: 2.99% Intro fixed APR for your first eight billing cycles following the opening of your account; after that, the APR will be 16.24% for Personal cards and 11.24% for Private Banking Platinum cards. APR for Balance Transfers: 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; after that, the APR will be 16.24% for Personal cards and 11.24% for Private Banking Platinum cards. These APRs will vary with the market based on the U.S. Prime Rate. Convenience Check and Over-the-Counter Cash Advance Fee: Either $5 or 3% of the amount of each check, whichever is greater (maximum fee $50). ATM Cash Advance Fee: Either $3 or 3% of the amount of each Cash Advance, whichever is greater (maximum fee $50). Over-the-Credit Limit Fee: Up to $15 (only if you opt-in). Returned Payment Fee: Up to $35. Foreign Transaction Fee: 2.5% of the U.S. dollar amount of any Purchase or Cash Advance made in a foreign currency. Penalty APR: 18% Fixed: the Penalty APR will apply until you have made six consecutive Minimum Payments when due.
Credit Card More Information:

Card Issued By:
 First Hawaiian Bank
General Correspondence Address:
 999 Bishop Street
Card Type:
 MasterCard
Card Class:
 Other
Card Category:
 Balance Transfer
States Available In:
 HI, MH
Minimum Credit Limit:
 
Maximum Credit Limit:
 $0 max.
Credit Limit Notes:
 

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