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This credit card is a cash back credit card. It is a low interest credit card, although it is not as low as the interest rates that you might get with a credit union credit card. The rates fall right in the range set they typically do for credit cards also offer rewards for their credit cards.
First Hawaiian Bank Platinum MasterCard Credit Card Overview
When you choose this credit card, you have the option of choosing a cash back reward, gift certificate reward, air travel reward, hotel accommodation reward, or a car rental reward. The minimum reward option requires you to have 5000 points, which will get you a $25 gift card.
You will earn 1% cash back for every dollar that you spend. You can redeem your credit card points at any time after they have been applied to your account. In other words, this is not an annual cash back rewards program.
This card offers you the option of earning points faster with what they call the PlusPoints program. This program allows you to shop at specific vendors online and allows you to earn a maximum of up to 20 points per dollar spent.
First Hawaiian Bank Platinum MasterCard Credit Card Terms
This credit card offers a 15.24% variable APR based on the prime rate. No, this is not the lowest interest rate available, but it is still a low interest rate credit card. Considering that, you don’t have to have perfect credit to apply and qualify for this lower interest rate.
This credit card has no annual fee but the APR does change to 18% when you use it for cash advance. You cannot use this credit card for a credit card balance transfer. There is no grace period for purchases in terms of applying the interest rate.
There is a foreign transaction fee, convenience checks see, ATM cash advance fee, over-the-counter cash advance fee, over the credit limit fee, returned payment fee and late payment fee. All fees comply with the credit card rules of the Federal Reserve.
First Hawaiian Bank Platinum MasterCard Credit Card Verdict
It is possible that you will find a credit card that offers lower interest rates with the same type of bonus program. However, what is nice about this card is that you can have bumpy credit.
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