Everything you need to know about Heritage Credit Card.



Heritage Credit Card from First Hawaiian Bank The Heritage Card allows you to save money with a low introductory rate. First Hawaiian Bank is exactly what the name suggests. Founded in 1858, FHB remains Hawaii's oldest and largest financial institution with a top rating for overall U.S banks. Whether you are looking for a lending service, insurance, or a new credit card, FHB has got you covered.  

When it comes to credit, FHB offers the Heritage Credit Card which is an excellent option for first-timers looking to build their credit. Enjoy a low introductory APR, perfect for those wishing to save on interest or even transfer from another credit card with a higher rate. Stay on top of your finances with FHB Online, allowing you to manage your spending and monitor your balances from the comfort of your own home.  


Who Is This Card Suitable For?

Are you new to the world of credit and want to start building an excellent credit score? The Heritage credit card can help you do just that. With a low intro APR, you can start spending without a damaging interest rate, making it easier to clear your monthly payments. In turn, you can start working towards creating healthy credit which opens more doors for you.  

In order to qualify, you only need a poor to good credit score. That makes this card ideal for those just starting off. To apply, you can do so by telephone or on FHB website, where they have an online application form. You will need to choose which design you would like for your card to get started.  

After this, you must provide both personal and financial information so that FHB can check if the Heritage Credit Card suits your financial situation. Once you have completed the application, you should expect a call from an FHB representative to confirm and go over your options. It's as simple as that. The application is free-of-charge and should only take a few minutes to complete.  

If you already have credit with another company, but they charge a high APR, why not enjoy the Heritage Credit Card low introductory APR? You can transfer your existing credit to one place, allowing you to manage your finances while saving money.  


The Heritage Credit Card no-frills card is a basic option ideal for those just starting off. Features include:  

FHB Online 
Stay on top of your finances with the FHB Online Banking feature. Track your spending, keep an eye on your balances, and even make your monthly payments all from one place. You don't need to take a trip to a branch to organize your account any more. Instead, you can do it from the comforts of your own home.  

Mobile Banking 
Manages your banking from absolutely anywhere with FHB mobile banking app. No matter where you are, you will always have control over your finances with this convenient app. 

Penalty APR 
There is an 18% Fixed APR for any late payments.  

Transaction Fees 
3% of the US dollar amount for foreign transactions  
$5 or 5% for balance transfers and convenience checks, whichever is highest  

Maximum Credit  
Customers can apply for maximum credit between $1,000 and $20,000. 

What is the Intro APR?  
2.99% for the first 8 billing cycles 

What is the Regular APR?  
18% Variable  

What is the Annual Fee?  

What is the required Credit Score?  


Perks of the Card

If you want a high-rewards card for your spending, then the Heritage Card may not be for you as its perks are limited. However, they do offer a handful of benefits including: 

Car Rental 
Rent a vehicle for 15 consecutive days or less and pay with your Heritage Credit Card to receive full coverage against damage, theft, or breakdown.  

24-Hour Access 
Manage your account online or through mobile banking at any time, anywhere. Enjoy 24/7 customer service assistance for all accounts.  

EMV Chip 
The Heritage Credit Card ensures all customers safety with an embedded EMV chip. Spend with ease knowing that you have an extra layer of security on your card and benefit from its worldwide acceptance.  


Customer Support

For customers experiencing any issues or looking for some advice, FHB has included a FAQ section on their website where anyone can explore at any time to find solutions to their problems. For online banking users, you can safely connect with a customer service representative through FHB Online, similar to a live chat option.  

If this doesn't solve your issue or you need immediate assistance, FHB offers 24-hour customer service, 7 days a week. You can contact their team of experts by post or phone on: 

Oahu: (808) 844-4444 
Toll-Free: (888) 844-4444 
Mon-Fri 8:00 A.M. to 9:00 P.M

FHB also offer a phone line for hearing impaired callers to ensure they meet all their customer's needs. You can also connect with the company online as they have active social media platforms on Facebook, Instagram, Twitter, and Linkedin. Whether you want to share feedback, ask an inquiry or file a complaint, the FHB team stands by for support.  

Bottom Line

The Heritage Credit Card no-frills card provides an ideal option for first-timers wishing to build credit due to its low credit score requirement. However, this may not be the best option if you want a credit card with an excellent reward scheme.  

  • Low intro APR
  • 24 hour customer service
  • Foreign transaction fees
  • No rewards

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Joe Schwartz

Credit Cards Editor

Our chief content editor, Joe manages a diverse team of content writers. He holds a degree in online communications and his writing has been featured in a wide range of online publications.