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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
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Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 prime
 
 
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 great 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%: 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:
 
Credit Limit Notes:
 

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