USES

Heritage from First Hawaiian Bank Review

Heritage from First Hawaiian Bank ā€” all information about the credit card.

Updated December 13, 2023
Advertiser Disclosure Our Methodology
First Hawaiian Bank Heritage
Apply now
Our Rating:
3.59 out of 5
scorer
Recommended credit score
Fair to Good (580-739)
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    2.99% Intro fixed APR for your first eight billing cycles following the opening of your account
  • Regular APR:
    18.00% Variable
  • Balance Transfer APR:
    18.00% Variable
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All benefits

  • Travel
    • MasterRental Coverage:
    • Coverage for covered damages (physical damage and theft) to a rental vehicle when your eligible Mastercard is used to initiate and pay for the entire rental transaction.
    • Mastercard Airport Conciergeā„¢:
    • Enjoy a 15% savings on Airport Meet and Greet services. Arrange for a personal, dedicated Meet and Greet agent to escort you through the airport on departure, arrival or any connecting flights at over 700 destinations worldwide 24 hours a day, 7 days a week, 365 days a year. There are also certain airports where you can be expedited through the security and/or the immigration process.
    • Travel Assistance Services:
    • Travel Assistance Services is your guide to many important services you may need when traveling. Benefits are designed to assist you or your travel companions when youā€™re traveling 50 miles or more from home.

Rate and fee information

  • Purchase Intro APR
    • 2.99% Intro fixed APR for your first eight billing cycles following the opening of your account
  • Purchase APR
    • 18.00% Variable
  • Intro Balance Transfer APR
    • 2.99% Intro fixed APR for your first eight billing cycles following the opening of your account
  • Balance Transfers APR
    • 18.00% Variable
  • APR for Cash Advances
    • 18.00% Fixed
  • How to Avoid Paying Interest
    • Your due date is at least 25 days after the close of each billing cycle. You will not be charged interest on Purchases if you pay your entire New Balance by the Payment Due Date each month.

Fees

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • Either $5 or 5% of the amount of each transfer, whichever is greater
  • Fees for Cash Advances
    • Either $10 or 5% of the amount of each Cash Advance, whichever is greater
  • Penalty Fees
    • 18.00%
  • Return Payment
    • Up to $40
  • Late Payment
    • Up to $40
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
Cons:
  • Foreign Transaction Fee

Features

Classic
Mastercard
Contactless
  • No Annual Fee
  • Payment Flexibility
  • Fraud Protection
  • Purchase Protection
  • Extended Warranty Protection
  • Lost Luggage Reimbursement
  • Auto Rental Insurance
  • 24/7 Travel Assistant
  • Fair Credit
  • Good Credit

About the issuer

First Hawaiian Bank
First Hawaiian Bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

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See Another Credit Cards in the Bank

First Hawaiian Bank Heritage is an option for those, who need Classic features. With an APR of 18.00% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Fair to Good (580-739) credit score. With First Hawaiian Bank Heritage you will get such features as No Annual Fee, Payment Flexibility, Fraud Protection, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

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