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 $0 introductory annual fee for the first year, then $99. The ongoing APR is 18.00% variable (disclosure published 7/1/2025) after a 4.99% intro fixed APR on balance transfers for first 8 billing cycles introductory rate. Signup bonus: 75,000 bonus Priority Miles after $3,000 in spend within the first 3 months of account opening; apply by October 31, 2026. Rewards: 5x Priority Miles per $1 on travel (airlines, lodging, rental cars, cruises, ride share, travel agencies); 2x per $1 on dining; 1x per $1 on all other purchases. This product reports activity to your personal credit report.