Managing Money In A Crisis
Weekly tips sent straight to your inbox
Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.
United® Credit Card from First Hawaiian Bank review
Last updated:
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 Name | United® Credit Card |
|---|---|
| Card type | Mastercard |
| Annual fee | $0 intro annual fee for the first year ($99 thereafter) |
| Purchase APR | 16.24% variable |
| Balance transfer APR | 2.99% intro for the first 8 months (then 16.24% variable) |
| Balance transfer fee | $5 or 5% of the transaction, whichever is greater |
| Cash advance 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 |
Expert review
Review by
Steven Dashiell
steven.dashiell@finder.comSteven 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
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:
- 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.
Compare credit cards
{"niche":"USCCF"}
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.