First Hawaiian Bank Cash Rewards Business
First Hawaiian Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of First Hawaiian Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The First Hawaiian Bank Cash Rewards Business from First Hawaiian Bank earns up to 2% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: $200 statement credit with $2,000 spend within first 3 months after opening a new account (spend must occur by the end of the last day of the 3rd month)..
- Top category
- Dining
- Effective value
- 2%
- Annual fee
- $0
Worth a look for dining spend if you need a business card and can use cash back the way you redeem today. Best for spenders who put meaningful volume in dining and can earn 2% back. The welcome bonus can help if you can meet the spend requirement.
What does the First Hawaiian Bank Cash Rewards Business earn in each category?
Dining is the strongest category at 2% effective value (2% back). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how First Hawaiian Bank Cash Rewards Business compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight coffee at 2x among.
Dining is the strongest category at 2% effective value (2% back). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how First Hawaiian Bank Cash Rewards Business compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2% back | 2% Top category |
| Grocery Supermarkets and grocery stores | 1% back | 1% |
| Gas Gas stations and fuel | 2% back | 2% |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the First Hawaiian Bank Cash Rewards Business?
The First Hawaiian Bank Cash Rewards Business fits spenders who put meaningful volume in dining and can earn 2% back. Best for spenders who put meaningful volume in dining and can earn 2% back. The welcome bonus can help if you can meet the spend requirement.
First Hawaiian Bank Cash Rewards Business fits spenders who put meaningful volume in dining and can earn 2% back. Madeen ranks its dining effective rate higher than about 59% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 2% back. The welcome bonus can help if you can meet the spend requirement.
Foreign transaction fees make it weaker for international spend.
Worth a look for dining spend if you need a business card and can use cash back the way you redeem today.
Pros
- Strongest Madeen category is dining at about 2% effective (2% back).
- No annual fee in our catalog snapshot.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- Charges $3 foreign transaction fees.
- Business card — rewards and liability rules differ from consumer cards.
What is the First Hawaiian Bank Cash Rewards Business welcome bonus?
In Madeen's catalog snapshot, the First Hawaiian Bank Cash Rewards Business welcome offer is $200 statement credit with $2,000 spend within first 3 months after opening a new account (spend must occur by the end of the last day of the 3rd month).. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on.
- Offer
- $200
- Terms (catalog snapshot)
- $200 statement credit with $2,000 spend within first 3 months after opening a new account (spend must occur by the end of the last day of the 3rd month).
- Minimum spend
- $2,000
- Window
- 3Months
Does the First Hawaiian Bank Cash Rewards Business have an annual fee?
The First Hawaiian Bank Cash Rewards Business has an annual fee of $0 and a foreign transaction fee of $3. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $3
What benefits come with the First Hawaiian Bank Cash Rewards Business?
The First Hawaiian Bank Cash Rewards Business includes Car Rental Insurance, Extended Warranty, Global emergency services in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Extended Warranty
$10,000/yrdoubles the time period of your Covered Purchase’s original Manufacturer’s Warranty or Store Warranty up to a maximum of twelve (12) months following the day that the Manufacturer’s Warranty or Store Warranty expires
Microsoft Advertising
$300/yrGrow your business and attract more customers with $300 in advertising credit after spending only $150 with Microsoft Advertising. Offer expires on 7/31/2026.
Mastercard Transit Benefit
$200/yrSave when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Melio
$100/yrPaying your business bills has never been simpler — or more rewarding. Get up to $100 in fee credits when you pay with Melio. Offer expires on 7/31/2027.
MasterRental Insurance Coverage
$25/yrTheft or Damage to personal effects in transit in the rental Vehicle or in any building en route during a trip using the rental Vehicle. You must first file under other applicable insurance (e.g., home or business), and then we’ll cover whatever is not covered by your insurance under our Secondary Personal Effects Insurance. Maximum coverage per rental period is $1,000 per covered person, per occurrence. The total benefits per rental period cannot exceed $2,000
Car Rental Insurance
$10/yrReimbursement for covered physical damage and/or theft of a rental vehicle with primary protection: 1-800-MASTERCARD.
Global emergency services
$10/yrCall 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
$10/yrEnroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Instacart Business
$10/yrFuel your business with same-day delivery of snacks, supplies and more. Enjoy $0 delivery fees* with three free months of Instacart+ and $20 off your second order each month. Offer expires on 1/31/2027.
Intuit® QuickBooks® Online and QuickBooks Online Payroll
$10/yrSave 30% on QuickBooks Online, QuickBooks Solopreneur or QuickBooks Online Payroll for 12 months.
Intuit® TurboTax®
$10/yrSave 20% on the TurboTax solution that best fits your small business needs and can help get your best possible tax outcome.
Luminary
$10/yrSave 30% on an annual or monthly Luminary membership to access Luminary’s global professional education and networking platform. Offer expires on 11/30/2027.
Related encyclopedia topics
Common questions about the First Hawaiian Bank Cash Rewards Business
Where do cardholders spend most with the First Hawaiian Bank Cash Rewards Business?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on coffee (2x), fast food (2x), other food and drink (2x) for the First Hawaiian Bank Cash Rewards Business. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the First Hawaiian Bank Cash Rewards Business have an annual fee?
The First Hawaiian Bank Cash Rewards Business carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the First Hawaiian Bank Cash Rewards Business?
Dining is the strongest Madeen category for the First Hawaiian Bank Cash Rewards Business at about 2% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the First Hawaiian Bank Cash Rewards Business charge foreign transaction fees?
The First Hawaiian Bank Cash Rewards Business charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What is the First Hawaiian Bank Cash Rewards Business welcome bonus?
The First Hawaiian Bank Cash Rewards Business welcome offer in our snapshot: $200 statement credit with $2,000 spend within first 3 months after opening a new account (spend must occur by the end of the last day of the 3rd month).. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
What credit score do you need for the First Hawaiian Bank Cash Rewards Business?
Madeen's catalog lists a typical credit range of Good for the First Hawaiian Bank Cash Rewards Business. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the First Hawaiian Bank Cash Rewards Business compare to similar cards?
Compare the First Hawaiian Bank Cash Rewards Business against Priority Destinations World Elite Business (2% on Dining, $75 fee); Priority Unlimited Cash Back (1.5% on Dining, $0 fee); First Hawaiian Bank United MileagePlus Business (1.2% on Dining, $45 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
First Hawaiian Bank Cash Rewards Business This card | Dining | 2% | $0 |
First Hawaiian Bank | Dining | 2% | $75 |
First Hawaiian Bank | Dining | 1.5% | $0 |
First Hawaiian Bank | Dining | 1.2% | $45 |
First Hawaiian Bank | Dining | 1.2% | $99 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
Related Madeen guides
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See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
First Hawaiian Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of First Hawaiian Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure