Bank of Hawaii Visa Card with WorldPoints Rewards is accepted worldwide, has no annual fees, and customer earn award points on all purchases. The account features no annual fees, 1 point for every $1 spent in net retail purchases, low annual percentage rate (APR) (see application for specific rate information), 24-hour online credit card account access (fiacardservices.com), built in fraud protection and access to the customers own 24-hour personal concierge service at no additional cost. WorldPoints® 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.