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First Hawaiian Bank Heritage MasterCard® Review

Top Features

Cashback on Gas
Cashback on groceries
Cashback on other
Purchase APR
16.24% for Personal cards and 11.24% for Private Banking Platinum cards (Variable)

This card compared to other cash back cards

Card Name
First Hawaiian Bank Heritage MasterCard®
Cashback on Gas
1% When You Buy, 1% As You Pay
Up to 3%
Cashback on Groceries
1% When You Buy, 1% As You Pay
Up to 2% at grocery stores
Cashback on other
1% When You Buy, 1% As You Pay
1%
Purchase APR
16.24% for Personal cards and 11.24% for Private Banking Platinum cards (Variable)
13.24% - 23.24%* (Variable) 
13.24% - 23.24% Variable APR on purchases and balance transfers 
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:
16.24% for Personal cards and 11.24% 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% (See Notes)
 7.99% or 12.99% (See Notes)
 N/A
APR:
  16.24% for Personal cards and 11.24% for Private Banking Platinum cards
(Variable)
 16.24% for Personal cards and 11.24% for Private Banking Platinum cards
 18.00% (fixed)
APR Floor:
 None
 None
 None
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:
 None
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:
 2.5% of the U.S. dollar amount of any Purchase or Cash Advance made in a foreign currency
Late Fee:
 Up to $35
Over-the-limit Fee:
 Up to $15 (only if you opt-in)
Balance Transfer Fee:
Either $5 or 3% of the amount of each transfer, whichever is greater (maximum fee $50)  


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. 16.24% for Personal cards and 11.24% for Private Banking Platinum cards. APR Note: The Annual Percentage Rate may change (based on a change in the Prime Rate) on the first day of each of your billing cycles that begin in March, June, September, and December.
Credit Card More Information:

Card Issued By:
 First Hawaiian Bank
General Correspondence Address:
 999 Bishop Street
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 Citi® Double Cash Card

Citi® Double Cash Card

  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*
Credit Needed:
Excellent/Good
Apply online for BankAmericard Cash Rewards™ Credit Card

BankAmericard Cash Rewards™ Credit Card

  • No annual fee
  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and 3% on gas up to the first $1,500 in combined grocery/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America(R) checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards
Credit Needed:
Excellent/Good