| Rewards | Earn 2x United MileagePlus miles on: United ticket purchases Gas Groceries Earn 1x mile per $1 on all other purchases |
|---|---|
| Signup Bonus | 30,000 bonus United miles after spending $1,500 within the first 3 months of opening the account |
| Annual Fee | $0 intro annual fee for the first year $99 after that |
| Cardmember Agreement | View Here |
| Cash Advance APR | 29.99% Variable APR. |
| Cash Advance Fee | 5% of the amount of each cash advance Minimum fee typically $10 |
| Late Payment Fee | Up to $40 |
| Purchases APR | 20.24% – 28.24%, depending on creditworthiness. |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The First Hawaiian Bank United MileagePlus Credit Card is mainly geared toward United Airlines flyers in Guam and the Northern Mariana Islands who want airline perks without jumping to a premium travel card. It offers MileagePlus miles on everyday spending, a welcome bonus, free checked bag benefits, and a couple of United Club passes, though it does carry an annual fee after the first year.
Most users say they like the straightforward mile earning, especially the bonus categories for gas and groceries. Many reviewers mentioned that the travel perks can easily offset the annual fee if you fly United regularly. Cardholders also appreciate having access to the United MileagePlus ecosystem through a smaller regional bank.
On the downside, many users feel the card is a bit limited compared to bigger airline cards from Chase. Some reviewers mention weaker travel protections, fewer premium perks, and restricted availability since the card is primarily for Guam and CNMI residents.
Personally, I think this card makes the most sense for loyal United flyers in eligible regions who want practical airline perks without paying for a luxury travel card. If you want premium lounge access or higher rewards rates, there are stronger airline cards out there.
RATE THIS CREDIT CARD
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A
Decent but could be better
This card works fine for everyday purchases and earning miles is steady, but redeeming them isn't always simple. Travel restrictions and limited options makes it less flexible that I hoped. It's not terrible, but the reward don't feel strong enough compared to other travel cards I've used before!
C
The ideal card for frequent travelers to and from Hawaii!
I applied for this credit card before a trip, and it's been an excellent choice. I've already used some for a discounted flight. The bonus miles after signing up were a nice touch, too. I also appreciate how easy it is to manage through the app.
