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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
2% at U.S. gas stations
1-5%
Cashback on Groceries
N/A
3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%)
1-5%
Cashback on other
N/A
1% back on other purchases.
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.
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% on Purchases
Period:
for 12 months
APR:
0%
Period:
14 months
Purchase APR
16.74% for Personal cards and 11.74% for Private Banking Platinum cards (Variable)
13.99%-24.99% Variable 
11.74% - 23.74% Variable 
Rates and Fees
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)
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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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Apply online for Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

  • $100 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express(R) Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
Terms and Limitations Apply
Credit Needed:
Excellent, Good
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  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
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Credit Needed:
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