First Hawaiian Bank United® Card
- Annual fee
- $99
- Recommended credit
- Excellent / Good
- Card network
- Mastercard
- Regular purchase APR
- 18% variable based on the Prime Rate
At a glance
The First Hawaiian Bank United® Card is an airline card that offers its best value with everyday use. The card earns double miles on the daily commute – and when buying groceries – with no annual fee for the first year.
Our review of the First Hawaiian Bank United® Card
The First Hawaiian Bank United® Card is an airline card that is perfect for those looking to earn airline rewards on all purchases, not just travel categories. This card, offered by United Airlines, provides excellent rewards on gas and groceries, along with a generous signup bonus.
Introductory Bonus Miles
New cardholders can earn 20,000 miles after spending $1,500 in the first 6 months. These miles are valued at approximately $260, depending on the MileagePlus program’s valuation of 1.3 cents per mile. Easily meet the spending requirement by spending just $250 per month for six months, making this bonus highly achievable.
Double Miles on Gas and Groceries
The First Hawaiian Bank United® Card offers 2X miles on gas and grocery purchases, making it stand out from other airline cards. This feature allows cardholders to earn double miles on their daily commute and weekly grocery runs, providing excellent value for everyday spending.
Double Miles with United Airlines
Cardholders also earn double miles on United Airlines purchases, adding value for those who frequently travel with the airline. This feature, combined with the double miles on gas and groceries, makes the card a great option for earning miles quickly.
How to Redeem Miles
Redeeming miles with the First Hawaiian Bank United® Card is simple and straightforward. Miles can be redeemed through the MileagePlus portal for flights, hotels, merchandise, and more. The best redemption value comes from flight bookings, especially with Star Alliance carriers, where domestic flights start at 10,000 miles.
Airport and Travel Perks
While the First Hawaiian Bank United® Card offers value with two free checked bags on United flights and two complimentary airport lounge passes annually, it lacks certain perks like statement credits for TSA PreCheck or Global Entry fees. However, the card’s no foreign transaction fees make it a valuable travel companion worldwide.
Intro APR Offer
New cardholders can take advantage of a 2.99% introductory APR on balance transfers for the first eight months, providing an opportunity to pay down balances at a competitive rate. While a 0% intro APR is rare for airline cards, this offer still presents a good opportunity for those looking to consolidate debt.
Should You Apply for the First Hawaiian Bank United® Card?
Overall, the First Hawaiian Bank United® Card is a solid choice for travelers who want to earn airline rewards on everyday purchases. The double miles on gas and groceries make it a valuable option for commuters and grocery shoppers, while the signup bonus and additional perks add to its appeal. Despite the $99 annual fee, the card’s benefits outweigh the cost for many frequent travelers.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- 3x miles per $1 spent on United tickets purchased through United ticketing channels until 2/28/2023 (2x miles thereafter)
- Double miles on gas and groceries
- 2 complimentary United club passes each year
- First 2 checked bags free on United flights
- Miles never expire
- No foreign transaction fees
Who this card may suit
- You travel with United at least once a year and check bags when they fly
- You use your credit card to regularly purchase groceries
- You prefer to fly with United or Star Alliance carriers
- You can travel enough and take full advantage of the card’s benefits to justify a $99 annual fee
Rates, fees and terms
| Annual Fee | $99 |
|---|---|
| Regular Purchase APR | 18% variable based on the Prime Rate |
| Intro Balance Transfer APR | 2.99% for 8 months from account opening date |
| Balance Transfer APR | 18% variable based on the Prime Rate |
| Balance Transfer Transaction Fee | Either $5 or 5% of the amount of each transfer, whichever isgreater |
| Cash Advance APR | 18% Fixed |
| Cash Advance Transaction Fee | Either $10 or 5% of the amount of each Cash Advance,whichever is greater |
| Penalty APR | 18% |
| Late Payment Penalty Fee | Up to $40 |
| Return Payment Penalty Fee | Up to $40 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
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First Hawaiian Bank United® Card
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