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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.


Miles as welcome offer

Up to 2x



Annual fee

for the first year ($99 thereafter)


Purchase APR (variable)


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, 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.

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.

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.

Compare credit cards

Name Product Foreign transaction fee Welcome offer Rewards Filter values
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months, a value of up to $750 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
Earn a signup bonus worth $750 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Chase Sapphire Reserve®
50,000 points after spending $4,000 in the first 3 months
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
Get a generous $300 in annual travel credits, 3x points on travel and dining, and a 50% bonus on point redemptions with Chase's premier card.
Delta SkyMiles® Gold American Express Card
35,000 miles after spending $1,000 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
Delta SkyMiles® Blue American Express Card
10,000 miles after spending $500 in the first 3 months
2x miles at restaurants and on direct Delta purchases and 1x miles on all other purchases
Earn 2x miles on Delta purchases and dining with this simple, entry-level Delta card, and pay no annual fee. Rates & fees
Costco Anywhere Visa® Card by Citi
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.

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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