First Hawaiian Bank

First Hawaiian Bank is one of the leading credit card issuers in Hawaii. The bank offers a variety of credit card products designed for businesses and personal use. These include co-branded airline cards with United Airlines. Browse a selection of offers below.

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First Hawaiian Bank United® Card

First Hawaiian Bank United® Card
Excellent-Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Mastercard Processing Network
$99 Annual Fee

First Hawaiian Bank United® Card

  • 18% variable based on the Prime Rate Regular Purchase APR
  • 18% variable based on the Prime Rate Balance Transfer APR
  • 18% Fixed Cash Advance APR

At a Glance

The First Hawaiian Bank United® Card is an airline card that offers its best value with everyday use. The card earns double miles on the daily commute – and when buying groceries – with no annual fee for the first year.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 3x miles per $1 spent on United tickets purchased through United ticketing channels until 2/28/2023 (2x miles thereafter)
  • Double miles on gas and groceries
  • 2 complimentary United club passes each year
  • First 2 checked bags free on United flights
  • Miles never expire
  • No foreign transaction fees
  • Regular Purchase APR: 18% variable based on the Prime Rate
  • Intro Balance Transfer APR: 2.99% for 8 months 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 isgreater
  • Cash Advance APR: 18% Fixed
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each Cash Advance,whichever is greater
  • Penalty APR: 18%
  • Annual Fee: $99
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
  • You travel with United at least once a year and check bags when they fly
  • You use your credit card to regularly purchase groceries
  • You prefer to fly with United or Star Alliance carriers
  • You can travel enough and take full advantage of the card’s benefits to justify a $99 annual fee

Priority Destinations World Elite Mastercard®

Priority Destinations World Elite Mastercard®
Excellent-Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Mastercard Processing Network
$0 for the first year. After that, $50 Annual Fee

Priority Destinations World Elite Mastercard®

  • 18.00% variable based on the Prime Rate Regular Purchase APR
  • 18.00% variable based on the Prime Rate Balance Transfer APR
  • 18% Fixed Cash Advance APR

At a Glance

The Priority Destinations World Elite Mastercard® earns cardholders 5X Priority Miles for every dollar they spend on travel up to $6,000 per year. After spending that amount, cardholders earn 2X Miles on travel purchases. Cardholders also earn 2X Miles on purchases of everyday essentials. All other purchases earn cardholders 1X miles. This card features no foreign transaction fee, and the $50 annual fee is waived for the first year.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Annual fee waived for first year
  • No foreign transaction fee
  • Earn 5X points on travel purchases up to $6,000 per year
  • Reduced APR for 8 months on balance transfers
  • Regular Purchase APR: 18.00% variable based on the Prime Rate
  • Intro Balance Transfer APR: 4.99% for 8 months from account opening date
  • Balance Transfer APR: 18.00% 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
  • Penalty APR: 18%
  • Annual Fee: $0 for the first year. After that, $50
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
  • You travel extensively in a year and want to earn extra points on travel purchases
  • You would like to earn extra points on gas, grocery, and utilities purchases
  • You do not want to pay foreign transaction fees
  • You need to transfer a balance and intend to pay it off in 8 months
  • You like to not pay an annual fee their first year

Priority Destinations World Mastercard®

Priority Destinations World Mastercard®
Excellent-Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Mastercard Processing Network
None Annual Fee

Priority Destinations World Mastercard®

  • 18% variable based on the Prime Rate Regular Purchase APR
  • 18% variable based on the Prime Rate Balance Transfer APR
  • 18% Fixed Cash Advance APR

At a Glance

The Priority Destinations World Mastercard® earns cardholders three Priority Miles for every dollar they spend on travel up to $6,000 a year. Any travel purchases in excess of $6,000 earn cardholders 1.5X Priority Miles per dollar spent. Cardholders also earn 1.5X miles on everyday essentials and 1X miles on all other purchases. This card offers new account holders a reduced APR for eight months on balance transfers. What’s more, there is no annual fee to use this credit card.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • Earn 3X Miles for every $1 spent on travel up to $6,000 per year
  • Earn 1.5X Miles on everyday essentials
  • Enjoy reduced APR for 8 months on balance transfers
  • Regular Purchase APR: 18% variable based on the Prime Rate
  • Intro Balance Transfer APR: 4.99% for 8 months 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
  • Penalty APR: 18% Fixed
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
  • You don’t want to pay an annual fee
  • You like to travel and want to earn points on travel purchases
  • You want to earn up to 1.5X points on all their other purchases
  • You need to transfer a balance and plan to pay it off in 8 months

First Hawaiian Bank Priority Rewards Credit Card

First Hawaiian Bank Priority Rewards Credit Card
Good-Fair
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Good / Fair
Mastercard Processing Network
None Annual Fee

First Hawaiian Bank Priority Rewards Credit Card

  • 18% variable based on the Prime Rate Regular Purchase APR
  • 18% Fixed Cash Advance APR

At a Glance

The First Hawaiian Bank Priority Rewards Credit Card earns you one CashPoint for every dollar you spend. You can redeem your points for cash back, gift cards, merchandise, and travel. There is no cap or expiration on points. You can also transfer points to different Priority Rewards accounts. What’s more, this card features no annual fee.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • Earn 1 CashPoint for every $1 you spend
  • Redeem CashPoints for cash back, gift cards, merchandise, or travel
  • Transfer points to other Priority Rewards accounts
  • Regular Purchase APR: 18% variable based on the Prime Rate
  • Cash Advance APR: 18% Fixed
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Penalty APR: 18%
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
  • You don’t want to pay an annual fee
  • You get confused with tiered points systems
  • You want to earn 1X points on all their purchases
  • You don’t want caps or expirations on their points

First Hawaiian Bank Heritage Card

First Hawaiian Bank Heritage Card
Good-Fair
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Good / Fair
Mastercard Processing Network
None Annual Fee

First Hawaiian Bank Heritage Card

  • 18% variable based on the Prime Rate Regular Purchase APR
  • 18% variable based on the Prime Rate Balance Transfer APR
  • 18% Fixed Cash Advance APR
  • 2.99% for 8 months from account opening date Intro Purchase APR

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.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • Low Introductory APR for 8 months on purchases
  • Low introductory APR for 8 months on balance transfers
  • Access to Mastercard® benefits
  • 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
  • Penalty APR: 18%
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
  • 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

About First Hawaiian Bank

First Hawaiian Bank is the largest – and oldest – financial institution in the State of Hawaii. The bank is a wholly-owned subsidiary of First Hawaiian Inc., a Honolulu-based holding corporation.

First Hawaiian Bank dates to 1858 and businessmen Charles Bishop and William Aldrich. The partners launched Bishop & Co, the first successful banking partnership in the then Kingdom of Hawaii.  By 1910 the bank began operating on the island of Hilo, and by 1911 had opened a branch in Waimea.

By the 1920s, the bank grew with the acquisition of the Bank of Honolulu, and additional branches followed IN Kona and on Lana’i. By 1966, the bank was acquired, and later changed its name to First Hawaiian Bank in 1968.

By the 1990s and 2000s, the bank’s acquisitions continued, eventually merging with California-based Bank of the West. The bank later acquired the Guam and Saipan interests of Union Bank of California.

Today, First Hawaiian Bank is one of the largest banks on the NASDAQ exchange, with over $20 billion in total assets. The bank features over 50 branches across the Hawaiian Islands, as well as locations in Guam and Saipan.

 First Hawaiian Bank Locations

First Bank of Hawaii operates 57 locations across Hawaii, including branches on all the major islands. The bank also operates offices on Guam and Saipan.

For a complete listing of branch locations, including ATMs, contact numbers, and hours of operation, please visit the bank’s dedicated locations page

Credit Cards

First Hawaiian is unique in that it is a regional bank that provides a co-branded credit card. The First Hawaiian Bank United® Card is an airline card that earns United MileagePlus miles with every purchase. What sets the First Hawaiian Card apart from other airline cards, however, is that it is marketed towards the Pacific Island resident that wants an excellent airline card.

That’s not to say that only those who live in Hawaii, Guam, or Saipan can apply – it is just a nice bonus for those who prefer to fly with United or another Star Alliance carrier.

The bank also provides a wide selection of great travel rewards credit cards through its Priority Destinations range.  These include:

FAQs About First Hawaiian Bank

Here are some common questions about First Hawaiian Bank:

  • First Hawaiian Bank is the largest and oldest bank in Hawaii.
  • The bank does have some branches through shared branches in locations such as San Francisco and Las Vegas, NV.
  • First Hawaiian Bank’s routing number is 121301015.

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BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.