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United® Credit Card from First Hawaiian Bank review

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.

Steven Dashiell

Last Updated Feb 3, 2021

2x miles on gas, groceries and United, and 1x miles on all other purchases

Rewards

$0 intro annual fee for the first year ($99 thereafter)

Annual fee

16.24% variable

Purchase APR

670

Minimum Credit Score

Annual fee	$0 intro annual fee for the first year ($99 thereafter)
Welcome offer	25,000 miles after spending $1,500 in the first 3 months
Rewards	2x miles on gas, groceries and United, and 1x miles on all other purchases
Purchase APR	16.24% variable
Balance transfer APR	2.99% intro for the first 8 months (then 16.24% variable)
Minimum Credit Score	670
Issuer	Mastercard

Cash advance rate	18% fixed
Cash advance fee	$10 or 5% of the cash advance amount, whichever is greater
Penalty APR	18% fixed
Foreign transaction fee	None
Late payment fee	Up to $40
Returned payment fee	Up to $40
Security deposit	N/A
Minimum Interest	$1

Review by

Steven Dashiell

steven.dashiell@finder.com

Steven Dashiell is a writer at Finder specializing in all things credit cards. With more than 300 articles under his belt, he aims to help readers embrace credit cards and maximize their rewards. Steve is studying to become a Certified Educator in Personal Finance, and is a frequent face on Finder’s YouTube channel, offering the latest in credit card hacks and advice. His expertise has been featured on numerous outlets, including U.S. News & World Report, Time, CBS, Fox Business, Lifehacker, Martha Stewart Living and more.

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.

The card’s $99 annual fee gets you a few United perks, including two free checked bags each flight and two complimentary United Club passes each year. Oddly, the card is missing a few perks you might expect out of a mid-tier card, such as discounts on in-flight purchases and priority boarding.

Finally, this card comes with a 2.99% intro APR on balance transfers for eight months. A few months ago, I may have politely shrugged at this feature. However, with a majority of providers dropping intro balance transfer offers from their cards in recent months, I’d consider even a figure like 2.99% noteworthy.

Now for the big caveat: you can only pick up this card if you’re a resident of Hawaii, Guam or the Northern Marianas. Rather unfortunate, as the card works well as an entry-level United card or a companion to one of the other Chase United cards in your wallet. But if you can qualify for the card and want to expand your United earning options with everyday spending, this card is a solid option.

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:

Go to the First Hawaiian Bank website.
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:

Go to the First Hawaiian Bank website.
Click the menu bar at the top of the page.
Click on Personal.
Select United® Credit Card from the drop down menu. It is filed under Credit Cards.
Click Apply Now on the new page.
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.

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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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