United[[®]] Credit Card

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

(Available for Guam and CNMI residents only)

United Airlines logo

Earn travel rewards[[#1]]

For more information, see Program Agreement.

Travel the world

No foreign transaction fees
[[Pricing and Terms | /uniteddisclosures]]

Statement credit

Receive a statement credit of 25% on inflight purchases[[#5]]

Free checked bags

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

Key benefits
United Credit Card

Key benefits

  • Monitor your transactions, view eStatements, and easily make card payments with FHB Online & Mobile Banking
  • Be alert! Learn more about security and fraud protection and enroll in card alerts for your account and transactions
  • Miles with no expiration, and travel with no date restrictions[[#1]]
  • Unlimited miles earned for groceries[[#3]], gas, and United tickets purchased from United
  • 2 complimentary United ClubSM lounge passes per account per year[[#6]]
  • Receive a statement credit of 25% on all inflight purchases[[#5]]
  • Complimentary premier upgrades on award tickets[[#7]]
  • Earn 25 Premier Qualifying Points (PQP) for every $500 in qualifying card spend, up to 1,000 PQP per calendar year[[#8]]
  • Your card is protected by Mastercard 3D Secure 2.0! Visit our FAQs to learn more.
  • Our cards are contactless and mobile wallet-ready! Use your card with Apple Pay®, Google Pay®, and Samsung Pay®


Additional benefits[[#8]]

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

Ready to get started?


Are you a small business owner?


    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. 2 additional complimentary United ClubSM lounge passes will be added per account for the first year (total of 4 Club passes for the first year), then 2 complimentary United Club lounge passes annually thereafter will be available each anniversary date. Please log into 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. Apply for the United® Credit Card by 8/31/24 and, if you are approved, receive 35,000 bonus United MileagePlus® miles after spending $1,500 within the first three months after account opening. Your account opening date is noted on your approval letter. 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, warehouse clubs, and gas purchases made outside of automotive gas stations are not eligible to receive additional miles. United Miles have no cash value except as described in the United Program Agreement. 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. Receive 25% back, in the form of a credit card account statement credit, on purchases of food, beverages, and Wi-Fi onboard United- and United Express-operated flights when you use your First Hawaiian Bank United Card to make such purchases. To qualify for the 25% back, account must be open and not in default at the time of fulfillment. Please allow up to 45 days after your onboard purchase posts to your account for the statement credit to post to your account. Payments must be made using your First Hawaiian Bank United card through the United app. For direction on how to upload your card to the app, visit https://www.united.com/ual/en/us/fly/travel/inflight/dining/savepayment.html

            6. United®  Credit Card accounts that are in good standing upon their anniversary date will receive two complimentary one-time United Club lounge passes. These passes are valid for use at any participating United Club. Please allow 4 - 6 weeks for passes to be deposited to eligible United 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 & conditions and access policies, each of which is subject to change, with or without notice. Access is subject to space availability. For additional information regarding the United Club, please visit united.com/unitedclub. United Club access is capacity controlled. Amenities may vary by location. We strongly advise you to research lounges before visiting them. United reserves the right to modify pricing, benefits services, hours, club locations, and reciprocal lounge agreements at any time with or without written notice to its members and customers. Travel and booking subject to availability. Additional fees, conditions, and restrictions may apply. See the United Program Agreement for more information. First Hawaiian Bank reserves the right to cancel or change the Program at any time without prior notice and is not responsible for the provision of, or failure to provide, United Club lounge amenities.

            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. For program year 2024, MileagePlus members who are also the primary account holder of a First Hawaiian Bank United® Card are eligible to earn PQP based on their annual credit card spend. First Hawaiian Bank United Credit Card earns 25 PQP for every $500 in qualifying card spend, up to 1,000 PQP in a calendar year. All eligible Card earned PQP applies to all Premier status (including 1K®). All eligible Cardmembers must take a minimum of 4 flights on United or United Express to be eligible for Premier status. All PQP earned on eligible card spend can be applied up to Premier Platinum status. First Hawaiian Bank is not responsible for the provision of, or failure to provide, the 2024 MileagePlus program year stated benefits and services. PQP earned on eligible credit card spend will be awarded within 6 weeks of meeting the spend qualifications. 

            9. 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, Apple, and the Apple logo are trademarks of Apple Inc. Google Pay is a trademark of Google Inc. Samsung Pay is a trademark of Samsung Electronics Co., Ltd. 

            United® Credit Card

            United[[®]] Credit Card

            United[[®]] Credit Card