The First Hawaiian Bank Standard MasterCard credit card is a non-rewards credit card for people with good to perfect credit. If you have bumpy credit, then you cannot have any recent problems, for at least 3+ years, in order to be approved for this card.
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This credit card comes in two options. The first one is the standard card and the second one is the platinum card. When you apply for this card, you automatically will be checked for both cards and whichever one you qualify for will be the card that you receive.
First Hawaiian Bank Standard MasterCard Credit Card Overview
This credit card is not a rewards credit card; however, there are some benefits for people who like to travel. For example, this credit card offers you travel accident insurance. When you use your credit card to pay for your travel methods. What’s more, you will receive rental car insurance if you rent a car while using this credit card.
Owners of this credit card also receive 24/7 customer service access, and a photo ID that appears on the back of the credit card to prevent fraud protection.
First Hawaiian Bank Standard MasterCard Credit Card Terms
The terms for this credit card pinned upon which credit card for which you actually qualify. Both the standard and the platinum card, with a 0% introductory APR for a billing cycles. After that, the APR for the standard card will be 15.24%. The APR for the platinum standard card will be 10.24%. You’ll need a better score to qualify for the platinum card.
This credit card accepts balance transfers with an introductory rate of 2.99%. After that, the standard APR will be whatever your purchase APR is.
Other fees for this card, which fall into line with the new credit card regulations from the Federal Reserve include 18% APR for cash advances, 2.5% foreign transaction fees, five dollars or 3% fee is for balance transfers, convenience checks, and over-the-counter cash advances.
There is no annual fee for the standard credit card but there is a $50 annual fee for the platinum card that is waived for any customer who is also a private banking customer.
First Hawaiian Bank Standard MasterCard Credit Card Verdict
If you can qualify for the low interest rate credit card, this would be the better choice. The rate of 15.24% is a little high for a credit card that does not offer any rewards options.
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