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United® Credit Card from First Hawaiian Bank review

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A unique United card for Hawaiian residents.

  • Get this card if you want a United card to earn rewards on everyday purchases.
  • Pick something else if you don’t live in Hawaii, Guam or the Northern Marianas.
  • Apply with a good credit score of 670 or higher.

25,000

Miles as welcome offer

Up to 2x

Miles

$0

Annual fee

for the first year ($99 thereafter)

16.24%

Purchase APR (variable)

Details

Product NameUnited® Credit Card
Card typeMastercard
Annual fee$0 intro annual fee for the first year ($99 thereafter)
Purchase APR16.24% variable
Balance transfer APR2.99% intro for the first 8 months (then 16.24% variable)
Balance transfer fee$5 or 5% of the transaction, whichever is greater
Cash advance rate18% fixed
Cash advance fee$10 or 5% of the cash advance amount, whichever is greater
Penalty APR18% fixed
Foreign transaction feeNone
Late payment feeUp to $40
Returned payment feeUp to $40

Expert review

Steven Dashiell

Review by


Steven Dashiell is a credit cards writer at Finder. He's worked on 250 Finder articles and counting, helping readers embrace and maximize credit cards. Backed by nearly a decade of research and reporting experience, Steve's work can be seen on Debt.com, CreditCards.com and Lifehacker.

Expert review

Most United credit cards are under the Chase umbrella, but this new United offering comes courtesy of First Hawaiian Bank. This card earns 2x miles on United purchases, groceries and gas stations, 1x miles on everything else and comes with a 25,000 bonus mile signup bonus after you spend $1,500 within 3 months of account opening. The card also comes with a 2.99% intro APR on balance transfers for 8 months — reverting to 16.24% variable — a few handy United perks and a waived annual fee for your first year, reverting to $99.

The United® Credit Card from First Hawaiian Bank has a few interesting features that help differentiate it from the Chase lineup. First is the interesting earning categories: You won’t find many travel cards on the market that offer rewards on groceries and gas. This makes it a great card if you only travel on occasion. You can make everyday purchases and end up with enough miles for a trip or two without much effort.

This card is also the only non-Chase United card. That means it’s totally exempt from the Chase 5/24 rule, allowing you to take advantage of the modest signup bonus without worry while adding another United earning category to your wallet.

Card benefits

  • Earn miles. You’ll earn 2x miles on United tickets purchased through United, on grocery stores and on gas stations. Earn 1x miles on everything else.
  • Signup bonus. Earn 25,000 miles after you spend $1,500 in your first 3 months. This is worth around $250, give or take depending on how you redeem those miles. You can check out our United redemption guide for more information.
  • Intro APR. This card comes with a 2.99% intro APR on balance transfers for 8 months. After that, your APR reverts to 16.24% variable.
  • United perks. Enjoy two free checked bags each flight, expanded award availability, two United Club one-time passes each year and complimentary premier upgrades on select award tickets.
  • No foreign transaction fees. You won’t pay any extra fees on purchases made abroad or through international websites.

What to watch out for

  • Limited availability. You can only apply and qualify for this card if you live in Hawaii, Guam or Northern Marianas.
  • Annual fee. After your first year, you’ll pay $99 annually to use this card.

How to apply for the United® Credit Card from First Hawaiian Bank

Here’s how to apply for the United® Credit Card from First Hawaiian Bank:

  1. Go to the First Hawaiian Bank website.
  2. On the main page, click on the navigation bar underneath Apply Online and select United® Credit Card. Click Apply.

You can also apply by traveling to the United® Credit Card main page:

  1. Go to the First Hawaiian Bank website.
  2. Click the menu bar at the top of the page.
  3. Click on Personal.
  4. Select United® Credit Card from the drop down menu. It is filed under Credit Cards.
  5. Click Apply Now on the new page.
  6. Fill in your information and click Submit.

What credit score do I need to qualify for the United® Credit Card?

You’ll need a good credit score of 670 or higher to qualify.

Compare credit cards

Name Product Foreign transaction fee Welcome offer Rewards Filter values
United℠ Explorer Card
None
60,000 miles after spending $3,000 in the first 3 months
2x miles at restaurants, hotels and United and 1x miles on all other purchases
60,000 bonus miles after you spend $3,000 on purchases in the first 3 months from account opening.
Delta SkyMiles® Gold American Express Card
None
50,000 miles after spending $2,000 in the first 3 months
2x miles on Delta purchases, restaurants and at US supermarkets and 1x miles on all other purchases
With a welcome offer worth up to $600, up to 2x miles on select purchases, and assorted Delta perks, this is a strong choice for Delta fans. Rates & fees
United Club℠ Infinite Card
None
100,000 miles after spending $5,000 in the first 3 months
4x miles on United purchases, 2x miles on travel and dining and 1x miles on all other purchases
Get United Club membership with access for you and two guests at any United Club or Star Alliance lounge -- a value of up to $650 annually.
Chase Sapphire Preferred® Card
None
80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
Earn a huge signup bonus worth $$1,000 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Costco Anywhere Visa® Card by Citi
None
N/A
4% at gas stations on up to $7,000 annually (then 1%), 3% at restaurants and on travel, 2% at Costco and 1% on all other purchases
Get 3% back on your travel and dining purchases with no foreign transaction fees and use the card for your Costco membership.
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Compare up to 4 providers

Bottom line

If you’re an eligible resident, the United® Credit Card from First Hawaiian Bank is an interesting everyday spending option for amassing United miles. If you’re not interested in the earning categories of the United Explorer or already have that card, this card makes for a solid pickup.

Those outside of Hawaii, Guam and the Northern Marianas will need to compare other travel card options to find one that fits the bill.

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