USES

United® from First Hawaiian Bank Review

United® from First Hawaiian Bank — all information about the credit card.

Updated December 13, 2023
Advertiser Disclosure Our Methodology
First Hawaiian Bank United®
Apply now
Our Rating:
4.83 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 2x Miles per $1 spent on gas, groceries and United Airlines tickets purchased through United ticketing channels.
    • 1x Mile per $1 spent on everything else.
  • Intro Offer:
    • 30,000x Bonus United miles after spending $1,500 within the first 3 months after opening a new account.
  • Annual Fee:
    $0 introductory Annual Fee for the first year
    $99 thereafter
  • Purchase Intro APR:
    None
  • Regular APR:
    18.00% Variable
  • Balance Transfer APR:
    2.99% Intro fixed APR for your first eight billing cycles following the opening of your account for balance transfers made within thirty days of account opening
    18.00% Variable
Show more

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First Hawaiian Bank United® Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
2X
Gas
$
2X
Groceries
$
2X
United
$
1X
All other purchases
$
Have you already recieved the First Hawaiian Bank intro bonus?
How would you like to redeem points?
Calculate
Your Results
Yearly earnings
$84
Annual fee
$0
First Hawaiian Bank United® credit card is worth its annual fee for the first year, but not profitable afterward.
How to maximize your First Hawaiian Bank United® rewards?

You can boost your total rewards by getting First Hawaiian Bank welcome bonus. To do that spend more on all purchases. To maximize all other rewards follow the tips below:

  • Spend more on Gas
  • Redeem most of your points for Travel purchases at Hotels, Airlines
  • Pay off your balance in full each month.
  • Make a large purchases plan.

Using these tips will help you not only to cover your annual fee but also to get a net profit from making purchases with First Hawaiian Bank United®.

Your net profit in the first year
$84
cup of coffee x31
Show less details
You will receive 8,400 miles in the first year (equivalent to $84)
Where you get the most profit
  • Gas
  • Groceries
  • United
  • All other purchases
Gas
$24
Groceries
$24
United
$24
All other purchases
$12
Total
$84
Annual fee
$0
Net yearly credit card profit
$84

All benefits

  • Miles
    • 2x On gas, groceries and United Airlines tickets purchased through United ticketing channels.
    • 1x On everything else.
  • Travel
    • Free checked bags:
    • 1st and 2nd checked bags free.
    • 25% Receive a statement credit of 25% on inflight purchases.
    • United Club lounge passes:
    • 2 additional complimentary United Club lounge passes per account for the first year (total of 4 Club passes for the first year), then 2 complimentary United Club lounge passes annually thereafter.
    • MasterRental Coverage:
    • Mastercard car rental insurance covers your rental vehicle against physical damage and theft.
    • Trip Cancellation/Trip Interruption Coverage:
    • Trip Cancellation Insurance will reimburse you for the amount of pre-paid, non-refundable travel expenses (e.g. airline, cruise, train, hotel, etc.).

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 18.00% Variable
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • 2.99% Intro fixed APR for your first eight billing cycles following the opening of your account for balance transfers made within thirty days of account opening
      18.00% Variable
  • APR for Cash Advances
    • 18.00% Fixed
  • How to Avoid Paying Interest
    • Your due date is at least 25 days after the close of each billling cycle. You will not be charged interest on Purchases if you pay your entire New Balance by the Payment Due Date each month.

Fees

  • Annual Fee
    • $0 introductory Annual Fee for the first year
      $99 thereafter
  • Fees for Balance Transfer
    • Either $5 or 5% of the amount of each transfer, whichever is greater
  • Fees for Cash Advances
    • Either $10 or 5% of the amount of each Cash Advance, whichever is greater
  • Penalty Fees
    • 18.00%
  • Return Payment
    • Up to $40
  • Late Payment
    • Up to $40
View all Rates & Fees

Pros & Cons

Pros:
  • No Foreign Transaction Fee
Cons:
  • Annual Fee

Features

Classic
Mastercard
Contactless
  • No foreign transaction fees
  • Payment Flexibility
  • Fraud Protection
  • Rewards
  • Purchase Protection
  • Extended Warranty Protection
  • Travel
  • Airline
  • Baggage Delay Insurance
  • Trip Cancellation
  • Auto Rental Insurance
  • Airport Lounge Access
  • Good Credit
  • Excellent Credit

About the issuer

First Hawaiian Bank
First Hawaiian Bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

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First Hawaiian Bank United® is an option for those, who need Classic features. With an APR of 18.00% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good to Excellent (670-799) credit score. With First Hawaiian Bank United® you will get such features as No foreign transaction fees, Payment Flexibility, Fraud Protection, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

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