| APR for purchases | 18% variableFirst Hawaiian Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026 | p. 1 |
| APR for balance transfers | — | |
| APR for cash advances | 18%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 | p. 1 |
| Paying interestgrace period on new purchases | — | |
| Annual fee | — | |
| Transaction fees |
| Cash advance | — | |
| Balance transfer | — | |
| Foreign transaction | — | |
| Penalty fees |
| Late payment | up to $40First Hawaiian Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026 | p. 1 |
| Returned payment | — | |
| 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 | 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 | 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 | 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 | 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 | 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 | Website |
