Priority Rewards
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 Priority Rewards from First Hawaiian Bank earns up to 1% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: 20,000 bonus CashPoints with $1,500 spend within first 3 months after opening a new account..
- Top category
- Dining
- Effective value
- 1%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 1x points. The welcome bonus can help if you can meet the spend requirement.
What does the Priority Rewards earn in each category?
Dining is the strongest category at 1% effective value (1x points at about 1 cents each). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Priority Rewards compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1% effective value (1x points at about 1 cents each). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Priority Rewards compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x points | 1% Top category |
| Grocery Supermarkets and grocery stores | 1x points | 1% |
| Gas Gas stations and fuel | 1x points | 1% |
| Travel Flights, hotels, transit | 1x points | 1% |
| Other General everyday spend | 1x points | 1% |
Madeen values CashPoints 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 Priority Rewards?
The Priority Rewards fits spenders who put meaningful volume in dining and can earn 1x points. Best for spenders who put meaningful volume in dining and can earn 1x points. The welcome bonus can help if you can meet the spend requirement.
Priority Rewards fits spenders who put meaningful volume in dining and can earn 1x points. Madeen ranks its dining effective rate higher than about 2% 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 1x points. The welcome bonus can help if you can meet the spend requirement.
Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 1% effective (1x points).
- No annual fee in our catalog snapshot.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- Charges $3 foreign transaction fees.
- CashPoints value depends on how you redeem, not straight cash back.
What is the Priority Rewards welcome bonus?
In Madeen's catalog snapshot, the Priority Rewards welcome offer is 20,000 bonus CashPoints with $1,500 spend within first 3 months after opening a new account.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 20k CashPoints (~$200 estimated)
- Terms (catalog snapshot)
- 20,000 bonus CashPoints with $1,500 spend within first 3 months after opening a new account.
- Minimum spend
- $1,500
- Window
- 3Months
Does the Priority Rewards have an annual fee?
The Priority Rewards 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 Priority Rewards?
The Priority Rewards includes Extended Warranty, Global emergency services, HealthLock 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
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.
Instacart
$140/yrGroceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+.
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
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/yrEnjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Mastercard Golf
$10/yrGet exclusive PGA TOUR® experiences and access amazing golf benefits with our Golf Concierge Service.
Mastercard ID Theft Protection
$10/yrMonitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard Music and Entertainment Access benefit
$10/yrMastercard gives you exclusive access to ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
Mastercard Travel
$10/yrBrowse exclusive Mastercard benefits, book travel, get hotel upgrades and more.
Priceless Experiences
$10/yrEnjoy experiences in culture, dining, sports, entertainment and more in over 45 exciting destinations around the globe.
Protection wherever you shop
$10/yrWith Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Related encyclopedia topics
Common questions about the Priority Rewards
Does the Priority Rewards have an annual fee?
The Priority Rewards 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 Priority Rewards?
Dining is the strongest Madeen category for the Priority Rewards at about 1% 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 Priority Rewards charge foreign transaction fees?
The Priority Rewards 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 Priority Rewards welcome bonus?
The Priority Rewards welcome offer in our snapshot: 20,000 bonus CashPoints with $1,500 spend within first 3 months after opening a new account.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
What credit score do you need for the Priority Rewards?
Madeen's catalog lists a typical credit range of Good for the Priority Rewards. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Priority Rewards?
Rewards on the Priority Rewards post as CashPoints. Redemption value depends on how you use CashPoints (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the Priority Rewards compare to similar cards?
Compare the Priority Rewards against First Hawaiian Bank Cash Rewards Business (2% on Dining, $0 fee); Priority Destinations World Elite Business (2% on Dining, $75 fee); Priority Unlimited Cash Back (1.5% on Dining, $0 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 |
|---|---|---|---|
Priority Rewards This card | Dining | 1% | $0 |
First Hawaiian Bank | Dining | 2% | $0 |
First Hawaiian Bank | Dining | 2% | $75 |
First Hawaiian Bank | Dining | 1.5% | $0 |
First Hawaiian Bank | Dining | 1.2% | $45 |
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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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