First Hawaiian Bank Cash Rewards Business
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).. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 2%
- Annual fee
- $0
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
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 29% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 2% effective value (2% back). That dining rate ranks higher than about 29% of the 1,547 cards we track in that category.
| 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 29% 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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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.
Does the First Hawaiian Bank Cash Rewards Business have an annual fee, and what's the welcome bonus?
The First Hawaiian Bank Cash Rewards Business has an annual fee of $0 and a foreign transaction fee of $3. 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).. Confirm current issuer terms before applying.
- Annual fee
- $0
- Foreign transaction fee
- $3
- Signup bonus
- $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).
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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Car Rental InsuranceIncluded with World Elite Mastercard®
Reimbursement for covered physical damage and/or theft of a rental vehicle with primary protection: 1-800-MASTERCARD.
- Extended Warranty
Extended Warranty doubles 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
- Global emergency servicesIncluded with World Elite Mastercard®
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
- HealthLockIncluded with World Elite Mastercard®
Enroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
- Instacart BusinessIncluded with World Elite Mastercard®
Fuel 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 PayrollIncluded with World Elite Mastercard®
Save 30% on QuickBooks Online, QuickBooks Solopreneur or QuickBooks Online Payroll for 12 months.
- Intuit® TurboTax®Included with World Elite Mastercard®
Save 20% on the TurboTax solution that best fits your small business needs and can help get your best possible tax outcome.
- LuminaryIncluded with World Elite Mastercard®
Save 30% on an annual or monthly Luminary membership to access Luminary’s global professional education and networking platform. Offer expires on 11/30/2027.
Common questions about the First Hawaiian Bank Cash Rewards Business
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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the First Hawaiian Bank Cash Rewards Business?
Rewards on the First Hawaiian Bank Cash Rewards Business post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the First Hawaiian Bank Cash Rewards Business compare to similar cards?
Compare the First Hawaiian Bank Cash Rewards Business against First Hawaiian Bank United MileagePlus Business (1.2% on Dining, $45 fee); Priority Rewards Business (1% on Dining, $0 fee); First Hawaiian Bank United (2.4% on Grocery, $99 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 | 1.2% | $45 |
First Hawaiian Bank | Dining | 1% | $0 |
First Hawaiian Bank | Grocery | 2.4% | $99 |
First Hawaiian Bank | Grocery | 2% | $50 |
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