What Bank of Hawaii credit cards offer

Bank of Hawaii issues several credit cards aimed at different spending patterns and financial goals. The cards carry no annual fee on most products, offer cash back or points on purchases, and come with fraud protection and purchase protections built in. The specific rewards structure, spending categories, and benefits depend on which card you choose.

Bank of Hawaii is a regional bank based in Hawaii with branches across the state and online services available to customers nationwide. Their credit card products are issued through their own lending division, not through a third-party processor, which means customer service and dispute resolution happen directly with the bank.

Key Takeaways

  • Bank of Hawaii offers multiple credit card products with no annual fee, each structured around different spending categories and reward rates.
  • Rewards typically come as cash back or points that can be redeemed for travel, merchandise, or statement credits.
  • The cards include standard protections like fraud liability limits and purchase protection, though terms vary by card.
  • Approval and credit limit decisions depend on your credit history, income, and existing relationship with Bank of Hawaii.
  • You can review current card offers and terms on the Bank of Hawaii website or by visiting a branch in person.

Current Bank of Hawaii credit card products

Bank of Hawaii maintains a rotating lineup of credit card offerings. At any given time, the bank typically offers cards focused on cash back rewards, travel rewards, or general-purpose spending. Some cards are designed for customers with established credit histories, while others may be available to those building credit or rebuilding after past issues.

The specific cards available, their reward rates, and their terms change periodically. Rather than listing products that may no longer be current, you should check the Bank of Hawaii website directly or call their credit card department at the number on the back of their debit card or on their website. A Bank of Hawaii branch representative can also walk you through which cards are currently being offered and which one fits your spending pattern.

How rewards work on Bank of Hawaii cards

Most Bank of Hawaii credit cards earn rewards on every purchase you make. The reward structure typically includes a base rate (such as 1% cash back on all purchases) plus bonus rates in specific categories (such as 3% on groceries or 2% on gas). Some cards use a points system instead of cash back, where points accumulate and can be converted to statement credits, travel bookings, or merchandise through a rewards portal.

Rewards are usually posted to your account monthly after your statement closes. You do not have to do anything to earn them — they accumulate automatically as you use the card. If your card uses points rather than cash back, you will need to log into your account online or call the bank to redeem them, since they do not convert to statement credits on their own.

Credit requirements and approval process

Bank of Hawaii reviews your credit score, payment history, income, and existing debts when you request a card. Most of their cards are designed for people with good to excellent credit (typically a score of 670 or higher), though some products may be available to those with fair credit or limited credit history.

The approval decision usually comes within a few minutes if you explore online, or within one business day if you explore in person or by phone. If you are approved, your card typically arrives within 7 to 10 business days. If you are not approved, Bank of Hawaii will send you a notice explaining the reason, and you can request a copy of the credit report they used to make the decision.

Fees, interest rates, and other costs

Bank of Hawaii credit cards carry no annual fee on most products. However, you will pay interest on any balance you carry past your statement due date. The interest rate (called the APR, or annual percentage rate) depends on your creditworthiness and current market rates. You can find the APR range for each card on the Bank of Hawaii website or in the terms and conditions provided with your card.

Other fees may explore in specific situations: late payment fees if your payment arrives after the due date, foreign transaction fees if you use the card outside the United States, and cash advance fees if you withdraw cash using the card at an ATM. The exact amounts vary by card and are listed in the card's terms document, which you receive when you open the account.

Protections and dispute resolution

Bank of Hawaii credit cards include fraud liability protection, which limits your responsibility for unauthorized charges to $50 (or $0 if you report the fraud before the charge posts). Purchase protection covers items you buy with the card against damage or theft for a set period after purchase, typically 90 days. Extended warranty protection may also be included, extending the manufacturer's warranty on may be able to access items.

If you dispute a charge, contact Bank of Hawaii's customer service department using the number on the back of your card or through your online account. The bank will investigate the dispute and typically resolve it within 30 to 60 days. During the investigation, the disputed amount is usually removed from your balance, so you do not have to pay it while the bank looks into it.

How to manage your account and make payments

Bank of Hawaii allows you to manage your credit card account online through their website or mobile app. You can view your balance, make payments, set up automatic payments, read statements, and track your rewards. Payments can be made online, by phone, by mail, or in person at any Bank of Hawaii branch.

Your payment is due on the same date each month (shown on your statement). If you set up automatic payments, you can choose to pay your full balance, a fixed amount, or the minimum payment due. Paying your full balance by the due date means you will not pay any interest. If you carry a balance, interest accrues daily on the unpaid amount.

Frequently Asked Questions

Can I transfer a balance from another credit card to a Bank of Hawaii card?

Some Bank of Hawaii cards offer balance transfer options, though not all do. If your card includes this feature, you can transfer a balance from another card, usually within a set time frame after opening the account. There is typically a balance transfer fee (a percentage of the amount transferred) and a promotional interest rate period. Check your card's terms or call Bank of Hawaii to see if your specific card offers this.

What happens if I miss a payment?

A late payment is reported to the credit bureaus if it is 30 days or more past due, which will lower your credit score. Bank of Hawaii will charge a late fee and may increase your interest rate. If you miss a payment, contact the bank when ready to bring your account current and discuss options for avoiding further damage to your credit.

Can I increase my credit limit?

Yes. You can request a credit limit increase through your online account, by calling Bank of Hawaii's customer service, or by visiting a branch. The bank will review your account history and may perform a hard credit inquiry. Approval depends on your payment history, current balance, and income.

Do Bank of Hawaii cards work outside the United States?

Yes, your card will work at merchants and ATMs outside the U.S., but you will typically pay a foreign transaction fee (usually 1% to 3% of the purchase amount). Some Bank of Hawaii cards may offer no foreign transaction fees — check your card's terms to see if yours does.

How do I close my Bank of Hawaii credit card account?

Call Bank of Hawaii's customer service number on the back of your card and request account closure. Pay off any remaining balance first. After closure, the account will show as closed on your credit report, which may slightly lower your credit score temporarily because it reduces your available credit.