First Hawaiian Bank

New Customer Agreements

Below are the full terms and agreements for each of the cards we currently offer.
**Please note that only our version of this document is what governs. Except for changes we make, any changes made to this document will not be effective for any purpose.

Priority Destinations® World Elite Credit Card1 - More Choices. More Freedom. More Rewards.
The Priority Destinations World Elite MasterCard® gives you the freedom to redeem your Priority Miles for travel on any airline with no blackout dates. And you'll be able to plan that trip sooner than you think when you earn 5x Priority Miles per $1 spent on travel for the first $6,000 and 2x Priority Miles for all other travel.  Learn More

Agreements:
Priority Destinations Personal and Priority Banking
Priority Destinations Private Banking

Priority Destinations® World Credit Card1 - Enjoy more choices, more freedom and more rewards with no annual fee! The Priority Destinations World MasterCard® earns you more rewards while providing the freedom and choice to fly any airline, with no blackout dates.  Learn More

Agreements:
Priority Destinations Personal and Priority Banking

Priority RewardsSM Credit Card1 - Reward yourself with the Priority Rewards Credit Card! Earn valuable CashPoints2 towards your choice of rewards - cash back, gift cards, anytime travel on any airline, hotel accommodations, car rentals and more!  Learn more

Agreements:
Priority Rewards Personal
Priority Rewards Priority Banking
Priority Rewards Private Banking

Priority RewardsSM Premier World Elite Credit Card1 - The First Hawaiian Bank Priority Rewards Premier World Elite Credit Card helps you earn rewards faster with 1.5 CashPoints3 for every $1 in net purchases! Plus, many of the benefits you’ll receive are available exclusively to World Elite cardholders.  Learn more

Agreements:
Priority Rewards Premier World Elite Personal
Priority Rewards Premier World Elite Priority Banking
Priority Rewards Premier World Elite Private Banking

Cash Rewards Credit Card1 - Earn cash back with every purchase!
There are no points to calculate, no enrollment process to earn rewards and your rewards will not expire. You will earn up to 3% cash back on special categories, and 1% cash back on everything else! Learn More

Agreements:
Cash Rewards Personal
Cash Rewards Priority Banking

United MileagePlus® Credit Card1 - Earn MileagePlus award Miles with every purchase!5
There is no maximum limit on the amount of miles you can earn. Reward yourself with air travel on United.  Learn More

Agreements:
United MileagePlus Credit Card Personal
United MileagePlus Credit Card Private Banking
United MileagePlus Credit Card World Elite Card

Heritage MasterCard® or Visa® Credit Card1 - Save on interest with a low introductory rate (2.99% intro fixed APR for your first eight billing cycles following the opening of your account; thereafter, a variable APR will apply) and a low balance transfer rate (2.99% intro fixed APR for your first eight billing cycles following the opening of your account for balance transfers made within thirty days of account opening; thereafter, a variable rate will apply).  Learn more

Agreements:
Standard Heritage Personal
Platinum Heritage Private Banking

1 Subject to credit approval.
2 CashPoints have no cash value, except as described in the Priority Rewards Program Agreement. See the Priority Rewards Program Agreement for details. First Hawaiian Bank reserves the right to cancel or change the program at any time without prior notice.
3 CashPoints have no cash value, except as described in the Priority Rewards Premier World Elite Program Agreement. See the Priority Rewards Premier World Elite Program Agreement for details. First Hawaiian Bank reserves the right to cancel or change the program at any time without prior notice.
4 Receive 1% cash back on all net purchases and up to 3% on special categories for limited time promotional offers. ATM withdrawals, PIN transactions, and cash advances do not earn cash back/rewards. Cash back/rewards earned will be reflected on the primary cardholder's monthly credit card statement and cannot be bought, sold, or transferred in any way by the cardholder. Cardholders may earn up to $300 in cash back/rewards per calendar year. See the Cash Rewards Program Agreement for additional details. First Hawaiian Bank reserves the right to cancel or change the program at any time without prior notice.
5 Miles accrued, awards, and benefits issued are subject to change and are subject to the rules of the United MileagePlus program, including without limitation the Premier® program (the "MileagePlus Program"), which are expressly incorporated herein. Please allow 6-8 weeks after completed qualifying activity for miles to post to your account. United may change the MileagePlus Program including, but not limited to, rules, regulations, travel awards and special offers or terminate the MileagePlus Program at any time and without notice. United and its subsidiaries, affiliates and agents are not responsible for any products or services of other participating companies and partners. Taxes and fees related to award travel are the responsibility of the member. Bonus award miles, award miles and any other miles earned through non-flight activity do not count toward qualification for Premier status unless expressly stated otherwise. The accumulation of mileage or Premier status or any other status does not entitle members to any vested rights with respect to the MileagePlus Program.MileagePlus Program participation may not be permitted in some countries. All calculations made in connection with the MileagePlus Program, including without limitation with respect to the accumulation of mileage and the satisfaction of the qualification requirements for Premier status, will be made by United Airlines and MileagePlus in their discretion and such calculations will be considered final. Information in this communication that relates to the MileagePlus Program does not purport to be complete or comprehensive and may not include all of the information that a member may believe is important, and is qualified in its entirety by reference to all of the information on the united.com website and the MileagePlus Program rules. United and MileagePlus are registered service marks. For complete details about the MileagePlus Program, go to www.united.com.

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