First Hawaiian Bank Heritage Card
- Annual fee
- None
- Recommended credit
- Good / Fair
- Card network
- Mastercard
- Intro purchase APR
- 2.99% for 8 months from account opening date
At a glance
The First Hawaiian Bank Heritage Card offers the lowest introductory APR of any First Hawaiian credit card. New cardholders can take advantage of this offer for eight months on balance transfers. What’s more, the same offer applies to purchases. This credit also features no annual fee.
Our review of the First Hawaiian Bank Heritage Card
The First Hawaiian Bank Heritage Card is a basic credit card option from this financial institution. While it does not offer any rewards or unique perks, cardholders can benefit from not having to pay an annual fee. Additionally, this card provides new cardholders with a generous introductory interest rate for eight months, making it an attractive option for those looking to make large purchases or transfer balances.
Reduced APR on Purchases
One of the main perks of the First Hawaiian Bank Heritage Card is the reduced introductory APR on purchases. With a significantly lower interest rate compared to other credit cards from First Hawaiian Bank, cardholders can take advantage of this offer for eight months from the date of signing up. This can be beneficial for financing major expenses, such as furnishing a home, without incurring high interest costs.
Reduced APR on Balance Transfers
In addition to the reduced APR on purchases, the First Hawaiian Bank Heritage Card also offers the same promotional interest rate for balance transfers. Cardholders must transfer a balance from another credit card within 30 days of opening an account to qualify for this offer. This feature can help individuals with existing credit card debt save on interest payments for eight months.
Extra Mastercard® Perks
As a Mastercard® credit card, the First Hawaiian Bank Heritage Card comes with additional benefits for cardholders. These include rental car insurance, extended warranties on purchases, and price protection. These perks can provide added value and peace of mind when using the card for various transactions.
Should You Apply for the First Hawaiian Bank Heritage Card?
While the First Hawaiian Bank Heritage Card is a basic credit card option, it may not be the best choice for everyone. Residents of Hawaii and US territories with access to a physical branch may find this card more beneficial. However, other credit cards from First Hawaiian Bank offer rewards and benefits without an annual fee. It’s important to compare different card options and consider your spending habits before applying for this card.
If you’re interested in exploring other credit card offers from First Hawaiian Bank, be sure to browse their website for more information.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- No annual fee
- Low Introductory APR for 8 months on purchases
- Low introductory APR for 8 months on balance transfers
- Access to Mastercard® benefits
Who this card may suit
- You want a basic credit card
- You don’t want to pay an annual fee
- You would like 8 months of lower interest on purchases
- You need to transfer a balance and intend to pay it off in 8 months
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Intro Purchase APR | 2.99% for 8 months from account opening date |
| Regular Purchase APR | 18% variable based on the Prime Rate |
| Intro Balance Transfer APR | 2.99% for 8 months for transfers made within 30 days from account opening date |
| Balance Transfer APR | 18% variable based on the Prime Rate |
| Balance Transfer Transaction Fee | Either $5 or 5% of the amount of each transfer, whichever is greater |
| Cash Advance APR | 18% Fixed |
| Cash Advance Transaction Fee | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction Fee | 3% of the transaction amount in U.S. dollars |
| Penalty APR | 18% |
| Late Payment Penalty Fee | Up to $40 |
| Return Payment Penalty Fee | Up to $40 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Good Credit Fair Credit.
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First Hawaiian Bank Heritage Card
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