United[[®]] Credit Card

Travel on thousands of daily flights worldwide on United with no date restrictions[[#1]]

(Available for Guam and CNMI residents only)

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Earn rewards[[#1]]

  • 25,000 bonus United miles[[#1]] after spending $1,500 within the first 3 months after opening a new account[[#2]]
  • 3x miles per $1 spent on dining (includes fast food) until 6/30/2022, 2x miles per $1 spent on gas, grocery, and United ticket purchases[[#3]]
  • 1x mile per $1 spent on everything else

For more information, see Program Agreement.

Unlimited miles

No cap on how many miles you can earn[[#3]]

Free checked bags

1st and 2nd checked bags free[[#4]]

Travel the world

No foreign transaction fees[[#5]]

Key benefits
United Credit Card

Key benefits

  • Contactless. Fast, safe and secure
  • Monitor your transactions, view eStatements, and easily make card payments with FHB Online & Mobile Banking
  • Fraud alerts for your protection
  • Miles with no expiration, and travel with no date restrictions[[#1]]
  • Extra earning power for groceries[[#3]], gas, and United tickets purchased from United
  • Two complimentary United ClubSM one-time passes annually[[#6]]
  • 25% Discount on In-flight purchases
  • Complimentary premier upgrades on award tickets[[#7]]
  • 24-hour customer service
  • Mobile wallets supported. Use your card with Apple Pay®, Samsung Pay® and Google Pay® 

Additional benefits[[#8]]

  • Extended Warranty
  • Mastercard® Global ServiceTM
  • MasterAssist
  • Lost luggage assistance 
  • Worldwide Automatic Travel Accident & Baggage Delay

Ready to get started?

We're here to help
Call 643-CARD (2273) or 1-800-403-7167 from Guam and CNMI.


    No. When you open a United Credit Card, you are automatically enrolled in the MileagePlus® Program. If you already have a MileagePlus® member number, please include it in your application.

      There’s no cap on how many miles you can earn.

        To redeem your MileagePlus® miles, visit www.united.com or call 1-671-647-6453 in Guam or CMNI. Call 1-800-864-8331 (1-800-United-1) from all 50 states.

          United ClubSM one-time passes are automatically available on your mobile device through the United mobile app. Two annual complimentary United ClubSM one-time passes are available each anniversary date. Please log in to the United mobile app and allow 4-6 weeks for passes to be deposited to eligible MileagePlus accounts.


            1. Miles accrued, awards, and benefits issued are subject to change and are subject to the rules of the United MileagePlus program, including without limitation the Premier® program (the “MileagePlus Program”), which are expressly incorporated herein. Please allow 6-8 weeks after completed qualifying activity for miles to post to your account. United may change the MileagePlus Program including, but not limited to, rules, regulations, travel awards and special offers or terminate the MileagePlus Program at any time and without notice. United and its subsidiaries, affiliates and agents are not responsible for any products or services of other participating companies and partners. Taxes and fees related to award travel are the responsibility of the member. Bonus award miles, award miles and any other miles earned through non-flight activity do not count toward qualification for Premier status unless expressly stated otherwise. The accumulation of mileage or Premier status or any other status does not entitle members to any vested rights with respect to the MileagePlus Program. MileagePlus Program participation may not be permitted in some countries. All calculations made in connection with the MileagePlus Program, including without limitation with respect to the accumulation of mileage and the satisfaction of the qualification requirements for Premier status, will be made by United Airlines and MileagePlus in their discretion and such calculations will be considered final. Information in this communication that relates to the MileagePlus Program does not purport to be complete or comprehensive and may not include all of the information that a member may believe is important, and is qualified in its entirety by reference to all of the information on the united.com website and the MileagePlus Program rules. United and MileagePlus are registered service marks. For complete details about the MileagePlus Program, go to www.united.com. Travel and booking are subject to availability.

            2. Subject to credit approval. Apply for the United® Credit Card by 12/31/21 and, if you’re approved, receive 25,000 bonus United MileagePlus® miles after spending $1,500 within the first three months after account opening. After qualifying, please allow 6 to 8 weeks for bonus miles to post to your MileagePlus account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment of bonus miles.

            3. Merchant registration may affect whether a purchase is eligible to earn additional United Miles per one (1) dollar spent. Purchases made at department stores, superstores, discount stores, and warehouse clubs are not eligible to receive additional Miles. See the United Credit Card Program Agreement for details.

            4. The Primary Cardholder’s first and second standard checked bags are free when you use your United® Credit Card from First Hawaiian Bank to purchase your tickets on United- and United Express-operated flights; codeshare partner-operated flights are not eligible. The Primary Cardholder's MileagePlus account number must be added to the flight reservation with United. Oversized/overweight/extra baggage service charges still apply if applicable. Cardholders who are already exempt from other checked baggage service charges will not receive an additional free standard checked bag. Please allow 2 weeks after account opening for your first free standard checked bag to be available on eligible United reservations.

            5. For additional information regarding rates and fees, see the United Card Pricing and Terms.

            6. United® Credit Card accounts that are open and in good standing upon their anniversary date will receive two complimentary United Club one-time passes. These passes are valid for use at any participating United Club. Please allow 4-6 weeks for passes to be deposited to eligible MileagePlus accounts. Each pass admits one person for one visit to a participating United Club location. You must present your valid one-time pass, a government-issued photo ID (such as a driver's license, passport, or Military ID), and a same-day boarding pass to gain access to United Club locations. Passes are not assignable and have no cash value. Each United Club pass is subject to the expiration date located on the pass. Access to a United Club location is subject to the United Club terms and conditions and access policies, each of which is subject to change, with or without notice. Access is subject to space availability. Other terms, conditions, and restrictions may apply. For additional information regarding the United Club, please visit united.com/unitedclub.

            7. Upgrades are available on selected United- and United-Express-operated flights, subject to availability. Travel companions and cardholders who are not the primary cardholder are not eligible to take advantage of this benefit. Assignment of upgrades on award tickets within each Premier®-Express-operated level will be prioritized after the lowest paid fare class.

            8. Terms, conditions, and restrictions apply. Additional benefits may change at any time. Please refer to your Guide to Benefits for more information.

            Mastercard® and the circles design are registered trademarks of Mastercard International Incorporated.

            Apple Pay, Samsung Pay, and Google Pay are registered trademarks of Apple Inc., Samsung Electronics Co., Ltd., and Google Inc., respectively.

            United® Credit Card

            United[[®]] Credit Card

            United[[®]] Credit Card