The First Hawaiian Bank is a personal credit card from First Hawaiian Bank. Application typically pulls a hard report from Equifax. The annual fee is No annual fee. The ongoing APR is 18.00% variable (agreement effective Apr 7, 2026) after a 0% intro fixed APR on purchases for first 6 billing cycles; 4.99% intro fixed APR on balance transfers for first 8 billing cycles introductory rate. Signup bonus: $150 cash back bonus after spending $1,500 within the first 3 months after account opening. Rewards: 2% cash back with an additional qualifying FHB account; 1.5% otherwise. Cash back: Cash Back on large and small purchases. This product reports activity to your personal credit report.