FINAL Priority Destination World Elite Mass

On the record for FINAL Priority Destination World Elite Mass 070125: a 18% purchase APR, no annual fee and a 18% penalty rate, filed by First Hawaiian Bank. The purchase rate sits at roughly the 34th percentile of the 4,587 agreements indexed here.

What this filing discloses

First Hawaiian Bank filed this agreement for FINAL Priority Destination World Elite Mass 070125 with the Consumer Financial Protection Bureau. The filing runs five pages, and It is issued on the Mastercard network.

On the record here: a purchase rate, a cash advance rate, a balance transfer rate, a penalty rate and an annual fee line.

Where the purchase APR sits

Measured against every other filing on the site, 18% is about the 34th percentile for purchase APR; it undercuts the typical filing.

The filing marks this rate as variable, which means it moves with the index the agreement names rather than staying where it is quoted today.

The cost of carrying a balance

Put $2,000 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $394.

A typical filing in this index would charge about $492 on that balance; this one is roughly $97 a year below it.

These figures are arithmetic on the disclosed rate, not a quote: they assume the balance is never reduced, ignore any payments, and take no account of fees charged separately.

Charges beyond interest

There is no annual fee. That is the common case in this corpus — about 75% of the filings that disclose an annual fee at all disclose it as $0 — so it is a baseline expectation rather than a distinguishing feature.

Cash advances carry a cash advance APR of 18%. The grace period described below generally does not extend to cash advances, so interest on them usually begins immediately.

The transfer fee is $10 or 5% of the amount transferred, whichever is greater; transferred balances then run at 4.99%. Transferring $1,000 would cost roughly $50 at the door.

Spending abroad costs an extra 5% — about $150 on $3,000 of purchases, independent of interest.

That is at the high end of this corpus — around the 99th percentile of disclosed foreign transaction fees.

The downside terms

If the account defaults, the filing permits a rate of 18%. Among disclosing agreements here that ranks near the 19th percentile.

Late payments are capped at $40 under this filing, about the 72nd percentile of late fee maximums in the corpus.

The no-interest path

Anyone clearing the statement balance inside 25 days pays no purchase interest at all under this filing. That matches the 25-day median across the corpus almost exactly.

Inside First Hawaiian Bank's filed lineup

First Hawaiian Bank has 9 agreements indexed on this site. Their disclosed purchase rates run from 14.74% to 18%, and this one at 18% is more expensive than 4 of them.

On fees, 7 of the 8 sibling filings that disclose an annual fee also set it at zero — this one is among them.

The limits of this document

An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.

The document itself

This summary stands or falls on the linked PDF — five pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

18% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern. The absence of an annual fee means the rate is the only thing that can make this card expensive.