Maximum Rewards Visa Credit Card


maximum rewards visa card


Features:

  • EARN 1.5% BACK ON PURCHASES2: Redeem rewards for cash back, gift cards, travel or merchandise.
  • Use rewards for 5 years from when they are awarded before they expire.2
  • No Annual Fee.1
  • 0% introductory APR1 for the first 6 billing cycles after the account is opened on purchases and balance transfers. After that, a variable APR based on the Prime Rate between 18.24% and 28.24% APR depending on your creditworthiness.
  • EMV chip included for added security.

Services:

  • View and pay credit card bills online at www.firstbankcard.com/asbhawaii
  • View FICO® Score each month online - for FREE! - Knowing your FICO® Credit Score can help you maintain and better understand your financial health.
  • Apple Pay

 

Please see the Summary of Credit Terms for important information on rates, fees, costs, conditions and limitations. A balance transfer fee1 of 5% applies to each balance transfer you make (minimum $10). Minimum monthly payments required.

You must pay your entire statement balance (including all promotional purchase and balance transfer balances) by the due date each month to avoid being charged interest on new purchases from the date those purchases are made, unless your new purchases are subject to a 0% interest rate.

 

Common Questions:

  1. For additional information about Annual Percentage Rates (APRs), fees and other costs, see Summary of Credit Terms.
  2. See the Rewards Terms and Conditions in the Summary of Credit Terms for details, including earning, redemption, expiration, or forfeiture. Your % back rewards are earned as points.

Cards are issued by First Bankcard®, a division of First National Bank of Omaha, pursuant to a license from Visa U.S.A. Inc. Visa and Visa Signature are registered trademarks of Visa International Service Association and used under license.

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. Please note that new cardmembers will generally see their FICO® Bankcard Score 9 (the version of FICO® Credit Score we use to manage the account) within 45 days of account opening.

Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries.

Additional Features

  • Qualified expenses may include tuition, fees, tutoring, books, and supplies — even the purchase of computer technology or equipment or Internet access used by the student and family when the student is in school.
  • Rollover of unused account funds, without penalty, to other family members under age 30
  • Non-deductible contributions may be made annually to each child's account
  • The deadline for contributions is the same as the contributor's tax filing deadline, not including extensions
  • Contributions cannot be made for a designated beneficiary who is over 18 years of age (unless the beneficiary is of special needs)

 

Services

 

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Common Questions

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  1. Withdrawals are tax and penalty free if used for qualified education expenses. Funds must be fully withdrawn when the beneficiary reaches age 30, and any amounts not used for qualified education expenses are subject to an additional 10% tax penalty.
  2. Based on an IRS formula, the allowed contribution is reduced when AGI (adjusted gross income) exceeds these limits.
Beth Whitehead

Beth Whitehead

Executive Vice President &       
Chief Administrative Officer

As Executive Vice President and Chief Administrative Officer at American Savings Bank, Beth Whitehead oversees a wide range of ASB’s core functions, including all bank operations and administrative teams. Her leadership extends to Human Resources, Learning & Development, Communications, Community Advancement, Social Impact & Sustainability, Corporate Real Estate, Corporate Security, Facilities Management, Legal and Bank Secrecy Act compliance.

Beth also leads ASB’s Operations team, which plays a critical role in delivering exceptional customer experiences through convenient banking solutions and driving efficiency across the organization. Her leadership ensures that ASB remains at the forefront of operational excellence while meeting the evolving needs of customers.

Beth spearheaded the design and development of ASB’s Campus, a collaboration-focused workplace that brought together over 650 teammates from five separate Oahu locations. Opened in 2019, the Campus serves as ASB’s home base and reflects ASB’s commitment to fostering an excellent teammate experience.

Beth’s contributions have helped ASB gain national and local recognition for its exceptional workplace environment, including 14 consecutive years as a Hawaii Business Magazine Best Place to Work, earning top honors as the #1 large employer for Most Family-Friendly Company and Best Place to Work for LGBTQ+ Equality. ASB has been certified as a Great Place to Work® for 11 years, and Fortune Magazine has recognized ASB as one of the Best Workplaces for Women and Best Places for Diversity. Additionally, ASB has been featured eight times on American Banker Magazine’s list of America’s Best Banks to Work For and was honored by Newsweek as one of America’s Greatest Workplaces for Diversity and Mental Wellbeing.

Beth’s leadership and community contributions have been widely recognized. Her honors include Pacific Business News Women Who Mean Business (2013), Hawaii Business Magazine 20 For the Next 20 (2015), Girl Scouts of Hawaii Women of Distinction (2016), YWCA LeaderLuncheon Honoree (2019), and Pacific Business News Business of Pride (2020). She was also selected as an Omidyar Fellow (Cohort IV).

Beth is an active community leader, serving as board chair for Girl Scouts of Hawaii and as vice chair for Child & Family Service and Hawaii Theatre Center. She also serves on the Board of Advisors for the Center for Banking and Finance at the University of North Carolina School of Law.

Beth graduated with honors from both the University of Mississippi, where she earned her bachelor’s degree, and the University of Arkansas School of law, where she received her Juris Doctorate.

Natalie Taniguchi

Natalie Taniguchi

Executive Vice President &   
Enterprise Risk & Regulatory Relations

Natalie oversees the Enterprise Risk Management, Compliance, Sarbanes Oxley, Business Continuity and Information Security teams, as well as third-party relationship programs at American Savings Bank (ASB). Under her direction, the Enterprise Risk Management Program provides a framework to identify, manage, mitigate and report on key risks impacting ASB’s business. Natalie is the primary liaison with the bank’s regulators.

Natalie joined ASB in January 2002 as Vice President, Enterprise Management and was promoted to Senior Vice President in May 2007. Previously, she served as Financial Vice President and Treasurer for HEI Power Corp., a subsidiary of Hawaiian Electric Industries, Inc. (HEI) and as the Corporate Finance and Investments Director for HEI.

She is on the executive committee and a board member of Hawaii Society of Certified Public Accountants and a founder and board member of The Paani Challenge, the largest high school female wrestling competition in the nation. She is also a member of the American Institute of Certified Public Accountants and a 2019 Pacific Business News’ Women Who Mean Business honoree.

Natalie holds a Bachelor of Business Administration in Accounting from the University of Hawaii at Manoa.

Additional Features

  • Set up automatic transfers from your ASB checking or savings1 into the Holiday Savings to save for the holidays. The proceeds will be transferred to another American Savings Bank account on the last business day of October.
  • If funds are withdrawn before the last business day in October, the account must be closed and no interest will be paid.

 

Services

 

CURRENT RATES

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Common Questions

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  1. Transfers from savings accounts are subject to regulatory limitations.
  2. An internet-enabled device is required to access the ASB Hawaii Mobile app and website. Downloading the app is required for Mobile Check Deposit. Standard messaging and data usage fees apply; contact your mobile carrier for details.
  1. Checks written to third parties, combined with certain transfers, are limited to six (6) per monthly cycle.
  2. We reserve the right to close an account that has a zero balance for 30 or more consecutive calendar days.
  3. An internet-enabled device is required to access the ASB Hawaii Mobile app and website. Downloading the app is required for Mobile Check Deposit. Standard messaging and data usage fees apply; contact your mobile carrier for details.

 

  1. We reserve the right to close an account that has a zero balance for 30 or more consecutive calendar days.
  2. We do not assess a fee during the month in which the account is opened even if the balance is below the minimum balance to avoid a monthly service fee.
  3. An internet-enabled device is required to access the ASB Hawaii Mobile app and website. Downloading the app is required for Mobile Check Deposit. Standard messaging and data usage fees apply; contact your mobile carrier for details.
  1. We reserve the right to close an account that has a zero balance for 30 or more consecutive calendar days.
  2. We do not assess a fee during the month in which the account is opened even if the balance is below the minimum balance to avoid a monthly service fee.
  3. An internet-enabled device is required to access the ASB Hawaii Mobile app and website. Downloading the app is required for Mobile Check Deposit. Standard messaging and data usage fees apply; contact your mobile carrier for details.
KEY BENEFITS
  • Purchase, refinance, or cash-out refinance
  • Competitive fixed and floating rate options
  • Discounted closing costs
  • Expedited processing available
  • Preferred rates for multi-family and apartment properties
  • Non-recourse available for well-qualified borrowers
SERVICES

 

Subject to application and credit approval.

Let Us Contact You

Fill out the below form and an ASB teammate will contact you shortly.

All fields required

 
 

 

CONTACT US

Se Kwon Kim
Commercial Banking Officer
Direct: (808) 539-7858
            skim@asbhawaii.com            
               

 

  1. Term loan products are subject to application and credit approval. Certain terms, conditions, and restrictions apply. Loan application required. Offer is for creditworthy applicants who qualify for an American Savings Bank (ASB) Business PowerLine or Business Loan.

Services

 

  1. Term loan products are subject to application and credit approval. Certain terms, conditions, and restrictions apply. Loan application required. Offer is for creditworthy applicants who qualify for an American Savings Bank (ASB) Business PowerLine or Business Loan.

Get Started

Download General Loan Application
Download Secured Loan Application
Request a follow-up
Find a Business Relationship Manager
visit a branch
Business Account Opening Checklist

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Common Questions

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Term loan products are subject to application and credit approval. Certain terms, conditions, and restrictions apply.

Loan application required. Offer is for creditworthy applicants who qualify for an American Savings Bank (ASB) Business PowerLine or Business Loan.

 
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