First Hawaiian Bank United MileagePlus® Business
First Hawaiian Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of First Hawaiian Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The First Hawaiian Bank United MileagePlus® Business from First Hawaiian Bank earns up to 1.2% effective value on dining in Madeen's catalog snapshot. Its annual fee is $45.
- Top category
- Dining
- Effective value
- 1.2%
- Annual fee
- $45
Worth a look for dining spend if you need a business card and can use United MileagePlus the way you redeem today. Best for spenders who put meaningful volume in dining and can earn 1x miles.
What does the First Hawaiian Bank United MileagePlus Business earn in each category?
Dining is the strongest category at 1.2% effective value (1x miles at about 1.2 cents each). That dining rate ranks higher than about 33% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how First Hawaiian Bank United MileagePlus Business compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1.2% effective value (1x miles at about 1.2 cents each). That dining rate ranks higher than about 33% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how First Hawaiian Bank United MileagePlus Business compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x miles | 1.2% Top category |
| Grocery Supermarkets and grocery stores | 1x miles | 1.2% |
| Gas Gas stations and fuel | 1x miles | 1.2% |
| Travel Flights, hotels, transit | 1x miles | 1.2% |
| Other General everyday spend | 1x miles | 1.2% |
Madeen values United MileagePlus at about 1.2 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the First Hawaiian Bank United MileagePlus Business?
The First Hawaiian Bank United MileagePlus Business fits spenders who put meaningful volume in dining and can earn 1x miles. Best for spenders who put meaningful volume in dining and can earn 1x miles.
First Hawaiian Bank United MileagePlus Business fits spenders who put meaningful volume in dining and can earn 1x miles. Madeen ranks its dining effective rate higher than about 33% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1x miles.
Less compelling if the $45 annual fee is hard to offset. Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.
Worth a look for dining spend if you need a business card and can use United MileagePlus the way you redeem today.
Pros
- Strongest Madeen category is dining at about 1.2% effective (1x miles).
- Rewards post as United MileagePlus; compare redemption paths before assuming cash-equivalent value.
Cons
- $45 annual fee requires enough spend in bonus categories to offset.
- Charges $3 foreign transaction fees.
- United MileagePlus value depends on how you redeem, not straight cash back.
- Business card — rewards and liability rules differ from consumer cards.
Does the First Hawaiian Bank United MileagePlus Business have an annual fee?
The First Hawaiian Bank United MileagePlus Business has an annual fee of $45 and a foreign transaction fee of $3. Confirm current fees on the issuer page before applying.
- Annual fee
- $45
- Foreign transaction fee
- $3
Related encyclopedia topics
Common questions about the First Hawaiian Bank United MileagePlus Business
Does the First Hawaiian Bank United MileagePlus Business have an annual fee?
The First Hawaiian Bank United MileagePlus Business carries an annual fee of $45 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the First Hawaiian Bank United MileagePlus Business?
Dining is the strongest Madeen category for the First Hawaiian Bank United MileagePlus Business at about 1.2% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the First Hawaiian Bank United MileagePlus Business charge foreign transaction fees?
The First Hawaiian Bank United MileagePlus Business charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
Is the First Hawaiian Bank United MileagePlus Business annual fee worth it?
Whether the $45 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
What credit score do you need for the First Hawaiian Bank United MileagePlus Business?
Madeen's catalog lists a typical credit range of Good to Excellent for the First Hawaiian Bank United MileagePlus Business. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the First Hawaiian Bank United MileagePlus Business?
Rewards on the First Hawaiian Bank United MileagePlus Business post as United MileagePlus. Redemption value depends on how you use United MileagePlus (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the First Hawaiian Bank United MileagePlus Business compare to similar cards?
Compare the First Hawaiian Bank United MileagePlus Business against First Hawaiian Bank Cash Rewards Business (2% on Dining, $0 fee); Priority Destinations World Elite Business (2% on Dining, $75 fee); Priority Unlimited Cash Back (1.5% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
First Hawaiian Bank United MileagePlus Business This card | Dining | 1.2% | $45 |
First Hawaiian Bank | Dining | 2% | $0 |
First Hawaiian Bank | Dining | 2% | $75 |
First Hawaiian Bank | Dining | 1.5% | $0 |
First Hawaiian Bank | Dining | 1.2% | $99 |
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First Hawaiian Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of First Hawaiian Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure