First Hawaiian Bank
Priority Destinations World Elite
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Card review
Priority Destinations World Elite
First Hawaiian Bank
Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$50
Welcome bonus
See issuer
Est. net value
$376/yr
Credit score
Varies
Top earn rate
3x travel
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Priority Destinations World Elite from First Hawaiian Bank carries a $50 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $393.60 in rewards plus $32.00 in credits and perks — $375.60 net per year before welcome bonuses.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| TravelTravel | 3× |
| GroceriesGroceries | 2× |
| GasGas | 2× |
| Everything elseCable | 2× |
| Everything elsePhone Bill | 2× |
| Everything elseUtilities | 2× |
| Everything elseAll Purchases | 1× |
Credits & benefits
Statement credits and perks we model in net-value calculations.
Benefits & perks
- Lounge Key$32/yr
Two complimentary airport lounge visits per year ($32 per person per visit thereafter).
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
- Annual fee
- −$50
- Stated credits
- +$0
- Perks (est.)
- +$32
- Net after credits & perks
- -$18
Verdict
Fee exceeds stated credits & perks
You'll need enough rewards on your spend to cover the gap — model that below.
WalletFlo calculator tools
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Reward Calculator
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Side by Side Compare
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Is the Annual Fee Worth it?
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Points & Miles → $ Converter
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Awards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Transfer Partner Calculator
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Reward calculator
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- See the annual fee analysis above, or open the full calculator to model credits and perks against $50 per year.