United® from First Hawaiian Bank Review
United® from First Hawaiian Bank — all information about the credit card.
Updated December 13, 2023
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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
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First Hawaiian Bank United® Rewards Calculator
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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
- 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
- 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
- $0 introductory Annual Fee for the first year
- 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
Pros & Cons
Pros:
- No Foreign Transaction Fee
Cons:
- Annual Fee
Features
- 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 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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See Another Credit Cards in the Bank
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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