The First Hawaiian Bank Standard Visa credit card is available to people with good to perfect credit. There is a second option for this card that is for people with perfect credit that has a lower interest rate. However, you do need to be a private banking customer in order to qualify for the low interest rate credit card.
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The Standard Visa credit card offers the exact same benefits in terms as the Standard MasterCard credit card. When you apply for this credit card, you will have the option of choosing between a Visa and MasterCard.
First Hawaiian Bank Standard Visa Credit Card Overview
This credit card is not a rewards card; however, the interest rate implies that it is. The interest rate is 15.24% for the standard card, which is a little high for a non-rewards card. However, even though this is not a bad credit credit card, if you have bumpy credit without things such as foreclosures, bankruptcies, and so on, you can still qualify for this credit card.
You can learn more about what things such as First Hawaiian Bank look for when checking your credit history to determine your creditworthiness at the Federal Reserve. If you have a bad credit history and are looking for tips to improve your score, this card can help as well.
This credit card company reports to all the credit-scoring agencies just like any other credit card. However, keep in mind that higher interest rates suggest that you are a high credit risk and this will be reflected on your FICO score.
First Hawaiian Bank Standard Visa Credit Card Terms
The terms for this credit card include:
- 10.24% to 15.2% starting APR, depending upon which credit card you qualify for
Introductory APR of 0% for eight billing cycles for purchases and 2.99% for balance transfers
- 18% fixed APR for cash advances, and as the penalty APR
- No annual fee for the standard credit card, $50 annual fee for the platinum option
In addition to these fees, you will find that there are fees for:
- Foreign transactions
- Balance transfers
- Over-the-counter cash advances
- Convenience checks
- ATM cash advances
There are also penalty fees to consider if you are late with your payment, go over your credit limit, or have a returned payment.
First Hawaiian Bank Standard Visa Credit Card Verdict
This credit card has a bit of a high interest rate for a non-rewards credit card. There are also a lot of fees associated with the credit card. The introductory rate is nice, especially if you have credit cards with higher interest rates. You can end up saving a considerable amount of money if you transfer your balances.
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- First Hawaiian Bank Standard MasterCard Credit Card
- First Hawaiian Bank Priority Rewards Credit Card
- First Hawaiian Bank Platinum Visa Credit Card
- First Hawaiian Bank World MasterCard Credit Card
- Hawaiian Airlines Credit Card
- First Hawaiian Bank Platinum MasterCard Credit Card
- First Hawaiian Bank Continental OnePass World Elite MasterCard Credit Card