FHB UNITED CREDIT CARD

Credit Cards and How to Choose the Right One for You

Hello Friends! We know that in the current times, credit cards have become a necessary part of our lives. They offer us convenience, rewards, and help us build our credit score. But with so many options available in the market, how do we choose the right one for ourselves? In this article, we will explore some of the most popular credit cards available and help you choose the one that suits your needs the most.

Credit Cards Offered by First Hawaiian Bank

First Hawaiian Bank offers a range of credit cards that cater to different lifestyles and preferences. Some of the most popular credit cards offered by the bank are as follows:

The Personal Credit Card

The Personal Credit Card is a basic credit card that comes with competitive interest rates, no annual fee, and a range of benefits such as rewards, cashback, and discounts on dining, shopping, travel, and more.

The United[[®]] Credit Card

The United[[®]] Credit Card is a co-branded credit card offered by First Hawaiian Bank in partnership with United Airlines. This credit card comes with a range of benefits such as earning United MileagePlus miles, priority boarding, and free checked baggage on United flights, and discounts on hotel bookings, car rentals, and more.

Choosing the Right Credit Card

When it comes to choosing the right credit card for yourself, it is important to consider the following factors:

Annual Fees

Some credit cards come with an annual fee while others do not. If you are someone who does not use a credit card frequently, it is best to choose a credit card that does not have an annual fee.

Interest Rates and APR

Interest rates and Annual Percentage Rates (APRs) are important factors to consider while choosing a credit card. If you plan to carry a balance on your credit card, it is best to choose a credit card with a low-interest rate and APR.

Rewards and Benefits

Different credit cards offer different rewards and benefits such as cashback, rewards points, airline miles, discounts, and more. It is important to choose a credit card that offers rewards and benefits that align with your lifestyle and preferences.

Credit Score and Approval

Your credit score plays a significant role in your credit card approval and interest rates. If you have a good credit score, you are more likely to get approved for a credit card with lower interest rates and higher credit limits.

Conclusion

Choosing the right credit card can be a daunting task, but with a little research, you can find the credit card that suits your needs the most. Consider the factors mentioned above and choose a credit card that aligns with your lifestyle and preferences. Always make sure to read the terms and conditions carefully before applying for a credit card. Happy Credit Card Shopping!

Thank you for reading!

Credit Card

Sources:

  • https://www.fhb.com/credit-cards/
  • https://www.jeffsetter.com/did-you-know-there-is-a-non-chase-united-card/

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