First Hawaiian Bank United® World Elite 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® World Elite Business from First Hawaiian Bank earns up to 1.2% effective value on dining in Madeen's catalog snapshot. Its annual fee is $99. New applicants may see: 50,000 bonus Miles with $5,000 spend within first 3 months after opening a new account..
- Top category
- Dining
- Effective value
- 1.2%
- Annual fee
- $99
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. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
What does the First Hawaiian Bank United World Elite 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 World Elite 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 World Elite 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 World Elite Business?
The First Hawaiian Bank United World Elite 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. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
First Hawaiian Bank United World Elite 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. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Less compelling if the $99 annual fee is hard to offset. 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).
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
- Includes travel or statement credits in our benefits snapshot.
Cons
- $99 annual fee requires enough spend in bonus categories to offset.
- United MileagePlus value depends on how you redeem, not straight cash back.
- Business card — rewards and liability rules differ from consumer cards.
What is the First Hawaiian Bank United World Elite Business welcome bonus?
In Madeen's catalog snapshot, the First Hawaiian Bank United World Elite Business welcome offer is 50,000 bonus Miles with $5,000 spend within first 3 months after opening a new account.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 50k United MileagePlus (~$600 estimated)
- Terms (catalog snapshot)
- 50,000 bonus Miles with $5,000 spend within first 3 months after opening a new account.
- Minimum spend
- $5,000
- Window
- 3Months
Does the First Hawaiian Bank United World Elite Business have an annual fee?
The First Hawaiian Bank United World Elite Business has an annual fee of $99 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $99
- Foreign transaction fee
- None
What travel perks does the First Hawaiian Bank United World Elite Business include?
The First Hawaiian Bank United World Elite Business includes Lounge access, Car Rental Insurance, Extended Warranty, Global emergency services in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Lounge access
$99/yr2 complimentary United Club lounge passes per account per year
How we value this
Editorial: Priority Pass Standard individual membership lists at $99/year (2026); used as conservative lounge-access proxy when issuer does not specify visit caps.
What benefits come with the First Hawaiian Bank United World Elite Business?
Extended Warranty
$10,000/yrdoubles the time period of your Covered Purchase’s original Manufacturer’s Warranty or Store Warranty up to a maximum of twelve (12) months following the day that the Manufacturer’s Warranty or Store Warranty expires
Microsoft Advertising
$300/yrGrow your business and attract more customers with $300 in advertising credit after spending only $150 with Microsoft Advertising. Offer expires on 7/31/2026.
Mastercard Transit Benefit
$200/yrSave when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Melio
$100/yrPaying your business bills has never been simpler — or more rewarding. Get up to $100 in fee credits when you pay with Melio. Offer expires on 7/31/2027.
Inflight Discount
$25/yrReceive a statement credit of 25% on all inflight purchases
MasterRental Insurance Coverage
$25/yrTheft or Damage to personal effects in transit in the rental Vehicle or in any building en route during a trip using the rental Vehicle. You must first file under other applicable insurance (e.g., home or business), and then we’ll cover whatever is not covered by your insurance under our Secondary Personal Effects Insurance. Maximum coverage per rental period is $1,000 per covered person, per occurrence. The total benefits per rental period cannot exceed $2,000
Car Rental Insurance
$10/yrReimbursement for covered physical damage and/or theft of a rental vehicle with primary protection: 1-800-MASTERCARD.
Global emergency services
$10/yrCall 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
$10/yrEnroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Instacart Business
$10/yrFuel your business with same-day delivery of snacks, supplies and more. Enjoy $0 delivery fees* with three free months of Instacart+ and $20 off your second order each month. Offer expires on 1/31/2027.
Intuit® QuickBooks® Online and QuickBooks Online Payroll
$10/yrSave 30% on QuickBooks Online, QuickBooks Solopreneur or QuickBooks Online Payroll for 12 months.
Intuit® TurboTax®
$10/yrSave 20% on the TurboTax solution that best fits your small business needs and can help get your best possible tax outcome.
Related encyclopedia topics
Common questions about the First Hawaiian Bank United World Elite Business
Does the First Hawaiian Bank United World Elite Business have an annual fee?
The First Hawaiian Bank United World Elite Business carries an annual fee of $99 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 World Elite Business?
Dining is the strongest Madeen category for the First Hawaiian Bank United World Elite 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 World Elite Business charge foreign transaction fees?
The First Hawaiian Bank United World Elite Business does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What is the First Hawaiian Bank United World Elite Business welcome bonus?
The First Hawaiian Bank United World Elite Business welcome offer in our snapshot: 50,000 bonus Miles with $5,000 spend within first 3 months after opening a new account.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
Is the First Hawaiian Bank United World Elite Business annual fee worth it?
Whether the $99 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 World Elite Business?
Madeen's catalog lists a typical credit range of Good to Excellent for the First Hawaiian Bank United World Elite Business. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the First Hawaiian Bank United World Elite Business compare to similar cards?
Compare the First Hawaiian Bank United World Elite 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 World Elite Business This card | Dining | 1.2% | $99 |
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% | $45 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
Related Madeen guides
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See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
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