United® Credit CardFirst Hawaiian Bank · NM bank, GU · FDIC 17985

CurrentLast observed Oct 14, 2026Source date Aug 23, 2026Official issuerCredit card · Consumer

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Purchase APR

18%

p.1variable

Balance transfer

—

Cash advance APR

18%

p.1fixed

Annual fee

—

Foreign fee

—

Grace period

—

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	18% variableFirst Hawaiian Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“18.00% This APR will vary with the market based on the U.S. Prime Rate.”First Hawaiian Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for balance transfers	—	no source read
APR for cash advances	18%First Hawaiian Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“18.00% Fixed”First Hawaiian Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Penalty APRafter a late payment	18%First Hawaiian Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“18.00% Fixed This APR may be applied to your account if you make a late payment. How Long Will the Penalty APR Apply?: This Penalty APR will apply until you make six consecutive Minimum Payments when due.”First Hawaiian Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Paying interestgrace period on new purchases	—	no source read
Annual fee	—	no source read
Transaction fees
Cash advance	—	no source read
Balance transfer	—	no source read
Foreign transaction	—	no source read
Penalty fees
Late payment	up to $40First Hawaiian Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“Up to $40”First Hawaiian Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Returned payment	—	no source read
Signup bonuspoints award	45,000 points. Spend $2,000 on eligible purchases. Qualify within 3 calendar months after account opening. Award posting timing is not disclosed. Offer expires 2026-10-31. This offer is subject to credit approval and may change over time. Apply for the United® Credit Card by 10/31/2026 and, if you are approved, receive 45,000 bonus United MileagePlus® miles after spending $2,000 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.First Hawaiian Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“This offer is subject to credit approval and may change over time. Apply for the United® Credit Card by 10/31/2026 and, if you are approved, receive 45,000 bonus United MileagePlus® miles after spending $2,000 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 …”First Hawaiian Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Cash back	25% cash back. Payment timing is not disclosed. Receive a statement credit of 25% on inflight purchases[[#6]]First Hawaiian Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“Receive a statement credit of 25% on inflight purchases[[#6]]”First Hawaiian Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
4x Miles per $1 spent on United tickets as a United credit cardholder[[#3]] Not disclosed	4 points per $1. See source conditions for eligible purchases.First Hawaiian Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“4x Miles per $1 spent on United tickets as a United credit cardholder[[#3]]”First Hawaiian Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
2x Miles per $1 spent on gas and groceries[[#3]] Not disclosed	2 points per $1. See source conditions for eligible purchases.First Hawaiian Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“2x Miles per $1 spent on gas and groceries[[#3]]”First Hawaiian Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Rewards conditions4x Miles per $1 spent on United tickets as a United credit cardholder[[#3]]	Point posting timing is not disclosed. Point expiration is not disclosed. Point redemption options are not disclosed. 4x Miles per $1 spent on United tickets as a United credit cardholder[[#3]] First Hawaiian Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“4x Miles per $1 spent on United tickets as a United credit cardholder[[#3]]”First Hawaiian Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Rewards conditions2x Miles per $1 spent on gas and groceries[[#3]]	Point posting timing is not disclosed. Point expiration is not disclosed. Point redemption options are not disclosed. 2x Miles per $1 spent on gas and groceries[[#3]] First Hawaiian Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“2x Miles per $1 spent on gas and groceries[[#3]]”First Hawaiian Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website

UnitedCreditCard_060123_Finalpage 1 of 6

Effective 6/1/2023

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases · 18.00% This APR will vary with the market based on the U.S. Prime Rate. APR for Balance Transfers · 2.99% Intro fixed APR for your first eight (8) billing cycles following the opening of your account for balance transfers made within thirty days of account opening. After that, the APR will be 18.00%. This APR will vary with the market based on the U.S. Prime Rate. APR for Cash Advances · 18.00% Fixed Penalty APR and When it Applies · 18.00% Fixed This APR may be applied to your account if you make a late payment. How Long Will the Penalty APR Apply?: This Penalty APR will apply until you make six consecutive Minimum Payments when due. Paying Interest · Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on Purchases if you pay your entire New Balance by the Payment Due Date each month. We will begin charging interest on Cash Advances on the transaction date. Minimum Interest Charge · If you are charged interest, the charge will be no less than $1.00. For Credit Card Tips from the Consumer Financial Protection Bureau · To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore .

Fees Annual Fee · $0 introductory Annual Fee for the first year. After that, the Annual Fee will be $99 . Transaction Fees • Foreign Transaction • Balance Transfer • Cash Advance · None Either $5 or 5% of the amount of each Balance Transfer, whichever is greater Either $10 or 5% of the amount of each Cash Advance, whichever is greater Penalty Fees • Late Payment · Up to $40 Up to $40 • Returned Payment

How We Will Calculate Your Balance: We use a method called 'Average Daily Balance (including new Purchases).' See the paragraph of this Agreement titled 'Computing Your Interest Charge' for more details.

Loss of Introductory Balance Transfer APR: We may end your introductory Balance Transfer APR and apply the Penalty APR if you make a late payment.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in this Agreement.

SEE NEXT PAGE FOR IMPORTANT INFORMATION ABOUT YOUR ACCOUNT.

1 2 3 4 5 6Page 1 is cited

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

First Hawaiian Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“18.00% Fixed”
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First Hawaiian Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“18.00% Fixed This APR may be applied to your account if you make a late payment. How Long Will the Penalty APR Apply?: This Penalty APR will apply until you make six consecutive Minimum Payments when due.”
Read exact source ↗
First Hawaiian Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“18.00% This APR will vary with the market based on the U.S. Prime Rate.”
Read exact source ↗
First Hawaiian Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Up to $40”
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First Hawaiian Bank
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:9e9be66eb7bd37cdb32b8a6b16ccb90e3c3bd3657deb11fed4d9ea1495d1fff0
“This offer is subject to credit approval and may change over time. Apply for the United® Credit Card by 10/31/2026 and, if you are approved, receive 45,000 bonus United MileagePlus® miles after spending $2,000 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 …”
Open source link ↗
First Hawaiian Bank
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:9e9be66eb7bd37cdb32b8a6b16ccb90e3c3bd3657deb11fed4d9ea1495d1fff0
“4x Miles per $1 spent on United tickets as a United credit cardholder[[#3]]”
Open source link ↗
First Hawaiian Bank
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:9e9be66eb7bd37cdb32b8a6b16ccb90e3c3bd3657deb11fed4d9ea1495d1fff0
“2x Miles per $1 spent on gas and groceries[[#3]]”
Open source link ↗
First Hawaiian Bank
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:9e9be66eb7bd37cdb32b8a6b16ccb90e3c3bd3657deb11fed4d9ea1495d1fff0
“Receive a statement credit of 25% on inflight purchases[[#6]]”
Open source link ↗
First Hawaiian Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“If you are charged interest, the charge will be no less than $1.00.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
First Hawaiian Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on Purchases if you pay your entire New Balance by the Payment Due Date each month. We will begin charging interest on Cash Advances on the transaction date.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
First Hawaiian Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on Purchases if you pay your entire New Balance by the Payment Due Date each month. We will begin charging interest on Cash Advances on the transaction date.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
First Hawaiian Bank
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:9e9be66eb7bd37cdb32b8a6b16ccb90e3c3bd3657deb11fed4d9ea1495d1fff0
“This offer is subject to credit approval and may change over time. Apply for the United® Credit Card by 10/31/2026 and, if you are approved, receive 45,000 bonus United MileagePlus® miles after spending $2,000 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 …”
Additional source detail; structured values remain unknown. The 6–8 week payout begins after qualifying; the schema only supports qualification-period-end anchoring, which is not stated.
Open source link ↗

History

dates on sources or when they were captured

Oct 14, 2026: Cash back, Rewards, Signup bonus
Aug 23, 2026: Cash advance APR, Late payment fee, Penalty APR, Purchase APR

Offered through: First Hawaiian Bank
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 17985
Branches: 49 in GU, HI, MP
Sources: Official issuer · 1 document · 1 page cited

Documents

UnitedCreditCard_060123_Finaleffective date not parsed

United® Credit CardFirst Hawaiian Bank · NM bank, GU · FDIC 17985

Rates and fees