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 5/1/2024) after a 2.99% intro fixed APR on balance transfers for first 8 billing cycles (transfers made within thirty days of account opening) introductory rate. Signup bonus: 45,000 bonus miles after $2,000 in spend within the first 3 months of opening an account; apply by October 31, 2026. Rewards: 4x miles per $1 on United tickets bought through United channels (10x for cardholders who are also MileagePlus members); 2x miles per $1 on gas and groceries; 1x mile per $1 on all other purchases. This product reports activity to your personal credit report.