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Credit Needed
Limited

First Hawaiian Bank Heritage MasterCard® Review

Top Features

Cashback on Gas
Cashback on groceries
Cashback on other
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

Cashback on Gas
3% at U.S. gas stations
2% at U.S. gas stations
Cashback on Groceries
6% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
3% at U.S. supermarkets on up to $6,000 per year in purchases
Cashback on other
1% other purchases. Terms and limitations apply.
1% other purchases. Terms and limitations apply.
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% on Purchases
Period:
for 12 months
Purchase APR
16.49% for Personal cards and 11.49% for Private Banking Platinum cards (Variable)
13.49%-23.49% Variable 
13.49%-23.49% 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:
16.49% for Personal cards and 11.49% 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:
  16.49% for Personal cards and 11.49% for Private Banking Platinum cards
(Variable)
 16.49% for Personal cards and 11.49% 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. Returned Payment Fee: Up to $35.
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 Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

  • Earn $150 back after you spend $1,000 in purchases on your new Card in your first 3 months.
  • Everyday Cash Back: 6% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 3% at U.S. gas stations; 1% other purchases. Terms and limitations apply.
  • No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.
  • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.49% to 23.49%, based on your creditworthiness and other factors.
  • Terms Apply.
Credit Needed:
Excellent, Good
Apply online for Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

  • Earn $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive cash back in the form of statement credits.
  • Earn Cash Back: 3% at U.S. supermarkets on up to $6,000 per year in purchases, 2% at U.S. gas stations & select U.S. dept stores, 1% on other purchases. Terms and limitations apply.
  • Simple and straightforward: With the Blue Cash Everyday Card, you can start earning cash back.
  • No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Cash back is earned only on eligible purchases.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.49% to 23.49%, based on your creditworthiness and other factors.
  • Terms and Conditions apply.
Credit Needed:
Excellent, Good