First Hawaiian Bank United® Credit Card

First Hawaiian Bank United® Credit Card

First Hawaiian Bank United® Credit Card

First Hawaiian Bank United® Credit Card

First Hawaiian Bank United® Credit Card

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Card details

  • Earn 40,000 bonus United miles after spending $2,000 within the first 3 months after opening a new account

  • Earn 2x miles per $1 spent on gas, groceries, and United Airlines tickets purchased through United ticketing channels

  • Earn 1x mile per $1 spent on everything else

  • 1st and 2nd checked bags free

  • No foreign transaction fees

Rates, fees & offers

  • Annual fee

    $0 intro first year, then $99

  • Rewards rate

    1x-3x

  • Bonus offer

    Earn 40,000 bonus United miles after spending $2,000 within the first 3 months after opening a new account.

  • Intro APR

    2.99% intro APR on Balance Transfers for 8 billing cycles

  • Ongoing APR

    Purchase: 18.00%, Variable

    Penalty APR: Up to 18.00%, Fixed

    Cash Advance APR: 18.00%, Fixed

  • Balance transfer fee

    5% or $5 whichever is greater

  • Foreign transaction fee

    None

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Learn moreLearn more
Annual fee

$0 intro first year, then $99

Annual fee

$99

Annual fee

$95

Regular APR

18.00% Variable

Regular APR

18.24%, 22.24% or 27.24%, Variable APR

Rates & Fees

Regular APR

18.74%-25.74% Variable APR

Intro APR

2.99% intro APR on Balance Transfers for 8 billing cycles

Intro APR

0% intro APR for 15 months on balance transfers made within 45 days of account opening.

Intro APR

N/A

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Erica Corbin

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Rating details

3.5

Editor's overall rating

Pros and cons

Pros
  • Intro APR period

  • Bonus categories

  • Free checked bag

  • Luxury perks

  • New cardholder bonus offer

Cons
  • Limited availability

  • Has annual fee

  • Rewards have limited flexibility

  • Requires good/excellent credit

If you live in Hawaii, Guam or the Northern Mariana Islands and you fly United regularly, this co-branded credit card is a solid option for your wallet.

The First Hawaiian Bank United® Credit Card earns 2x miles per dollar spent on United ticket purchases, groceries and gas and 1x miles per dollar spent on all other purchases.

Eligibility is highly limited, but for those who do qualify, it could be an appealing option for earning United MileagePlus miles, especially if groceries and gas make up a large portion of your budget.

For more information, see a closer look at this card.