Bank of Hawaii Rewards American Express Card is a card accepted world wide without any annual fees. It also earns customers points on every purchases. Reward card benefits include no annual fees, 1 point for every $1 spent in net retail purchases, low introductory annual percentage rate (APR) , welcomed at millions of locations worldwide everywhere American express cards are accepted, 24-hour online credit card account access (fiacardservices.com), fraud and identity theft protection and access to customers own 24-hour personal concierge service at no additional cost. Rewards include cash, travel, flying to destinations in the U.S. and abroad on major U.S. airlines with no blackout dates. Special travel redemption options for Bank of Hawaii customers are Inter-Island throughout Hawaii 15,000 points and Hawaii to the Continental 48 states 45,000 points.