First Hawaiian Bank Business Elite Visa

Discover the First Hawaiian Bank Business Elite Visa

The First Hawaiian Bank Business Elite Visa is an exceptional credit card tailored specifically for business owners seeking to maximize their financial growth while enjoying a range of rewards and benefits. With a robust rewards program and extensive features, this card stands out in the crowded marketplace of business credit cards. Here, well take a closer look at its offerings to help you determine if its the right fit for your business needs.

Card Type

The First Hawaiian Bank Business Elite Visa is classified as a business credit card, designed to meet the financial demands of entrepreneurs and corporations. It helps manage business expenses efficiently while offering an attractive rewards structure.

Annual Fee

It is important to note that the First Hawaiian Bank Business Elite Visa comes with an annual fee. The fee is set at $95, which is competitive considering the extensive benefits and rewards offered by the card.

Rewards Program

This credit card features a generous rewards program that allows cardholders to earn points for every dollar spent. Business owners can earn points in bonus categories such as office supplies, travel, dining, and other essential business expenses. Points can be easily redeemed for various options including travel, gift cards, merchandise, and cash back, providing flexibility in how rewards are utilized.

Sign-Up Bonus

Upon approval, the First Hawaiian Bank Business Elite Visa often offers a lucrative sign-up bonus. New cardholders can earn a significant number of bonus points after spending a specified amount within the first three months of account opening. This high-value initial incentive is designed to encourage new users to explore the cards benefits right away.

APR (Annual Percentage Rate)

The APR for the First Hawaiian Bank Business Elite Visa is competitive, which can be beneficial for carrying a balance. Cardholders typically enjoy a standard variable APR, with potential promotional rates for balance transfers. It’s advisable to check with the issuer for the most current rates and any introductory APR offers that may apply when signing up.

Foreign Transaction Fees

For businesses engaged in international travel or purchases, the First Hawaiian Bank Business Elite Visa is advantageous as it does not impose foreign transaction fees. This feature allows businesses to manage expenses abroad without incurring additional costs.

Balance Transfer Options

The card also offers appealing balance transfer options. Business owners can transfer existing balances from other credit cards with promotional offers such as 0% APR for a limited time on eligible transfers, helping to consolidate debt and save on interest payments.

Additional Fees

As with any credit product, its important to be aware of any additional fees. The First Hawaiian Bank Business Elite Visa may have late payment fees, cash advance fees, and any applicable balance transfer fees. Understanding these costs can help you make informed decisions on using the card.

Card Benefits and Perks

This card boasts a wide array of benefits and perks. Users can access comprehensive travel insurance, providing peace of mind during business travel. Concierge service is also offered, assisting cardholders with reservations, ticket bookings, and other services that can enhance the travel experience. Moreover, cardholders often receive exclusive offers and invitations to business-oriented events.

Customer Protections and Insurance

Security is paramount with the First Hawaiian Bank Business Elite Visa. Cardholders enjoy multiple customer protections and insurance options, including zero fraud liability, purchase protection plans, and rental car insurance coverage. Such features safeguard users against unauthorized charges and add value to their purchases.

Eligibility and Credit Score Requirements

For those interested in applying, understanding the eligibility and credit score requirements is crucial. Generally, a good to excellent credit score (typically above 700) is recommended to qualify for the First Hawaiian Bank Business Elite Visa. Additionally, potential applicants should have a stable income and demonstrate responsible credit behavior.

Introductory Offers

The card may provide attractive introductory offers, such as a limited-time 0% APR on purchases for the first 12 months. This can help business owners manage initial expenses without incurring interest, making it easier to grow their business financially.

Special Features or Unique Selling Points

One of the standout aspects of the First Hawaiian Bank Business Elite Visa is its special features, including tailored spending reports that can help business owners track expenses more effectively. Additionally, the card may offer exclusive promotions and discounts specifically designed for business needs, further accentuating its value in the marketplace.

How to Apply

Applying for the First Hawaiian Bank Business Elite Visa is easy and convenient. Potential cardholders can submit their applications ‘>Apply Here. For more financial insights and information, check out UpCube.net.