First Hawaiian Bank United
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 from First Hawaiian Bank earns up to 2.4% effective value on grocery in Madeen's catalog snapshot. Its annual fee is $99. New applicants may see: 30,000 bonus Miles1 after spending $1,500 within the first 3 months after opening a new account..
- Top category
- Grocery
- Effective value
- 2.4%
- Annual fee
- $99
Best for grocery-heavy spend when the $99 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in grocery and can earn 2x 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 earn in each category?
Grocery is the strongest category at 2.4% effective value (2x miles at about 1.2 cents each). That grocery rate ranks higher than about 96% of the 2,855 cards we track in that category. The five-category effective-rate table on this page shows how First Hawaiian Bank United compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight groceries.
Grocery is the strongest category at 2.4% effective value (2x miles at about 1.2 cents each). That grocery rate ranks higher than about 96% of the 2,855 cards we track in that category. The five-category effective-rate table on this page shows how First Hawaiian Bank United compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x miles | 1.2% |
| Grocery Supermarkets and grocery stores | 2x miles | 2.4% Top category |
| Gas Gas stations and fuel | 2x miles | 2.4% |
| 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?
The First Hawaiian Bank United fits spenders who put meaningful volume in grocery and can earn 2x miles. Best for spenders who put meaningful volume in grocery and can earn 2x 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 fits spenders who put meaningful volume in grocery and can earn 2x miles. Madeen ranks its grocery effective rate higher than about 96% 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 grocery and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for grocery-heavy spend when the $99 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is grocery at about 2.4% effective (2x miles).
- That grocery rate ranks higher than about 96% of cards we track in the category.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $99 annual fee requires enough spend in bonus categories to offset.
- United MileagePlus value depends on how you redeem, not straight cash back.
What is the First Hawaiian Bank United welcome bonus?
In Madeen's catalog snapshot, the First Hawaiian Bank United welcome offer is 30,000 bonus Miles1 after spending $1,500 within the 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
- 30k United MileagePlus (~$360 estimated)
- Terms (catalog snapshot)
- 30,000 bonus Miles1 after spending $1,500 within the first 3 months after opening a new account. First-year annual fee waived.
- Minimum spend
- $1,500
- Window
- 3Months
Does the First Hawaiian Bank United have an annual fee?
The First Hawaiian Bank United 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 include?
The First Hawaiian Bank United includes Lounge access, Free checked bag, Extended Warranty, Global emergency services and more in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Lounge access
2 complimentary United Club lounge passes per account per year
Free checked bag
$60/yr1st and 2nd checked bags free
How we value this
Editorial: One domestic checked bag per round trip (~2 bags/year × ~$30) for occasional travelers.
What benefits come with the First Hawaiian Bank United?
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
Lyft
$1,440/yrMore rides means more adventure. Take three rides in a month with Lyft to earn a $5 credit.3* Plus, save 10% on all scheduled rides to or from U.S. airports when you pay with your World Elite or World Legend Mastercard. Offer expires 1/31/2027.
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.
World Elite Concierge
$150/yrComplimentary 24/7 concierge agent for lifestyle needs, travel bookings and event access.
Instacart
$140/yrGroceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+. Offer expires 1/31/2027.
Priority Pass
$99/yrGet access to 1,700+ airport lounges worldwide and special offers and discounts in the terminal on dining, retail and spa experiences.
Peacock
$36/yrGet $3 off Peacock Premium or Peacock Premium Plus each month when you use your World Elite or World Legend Mastercard to subscribe. Watch new movies from theaters, buzzworthy original series, hit TV shows, live sports and so much more. Eligibility restrictions, exclusions and terms apply. Offer expires 12/31/2027.1
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
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.
Mastercard Golf
$10/yrGet exclusive PGA TOUR® experiences and access amazing golf benefits with our Golf Concierge Service.
Related encyclopedia topics
Common questions about the First Hawaiian Bank United
Where do cardholders spend most with the First Hawaiian Bank United?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on groceries (2x), gas (2x) for the First Hawaiian Bank United. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the First Hawaiian Bank United have an annual fee?
The First Hawaiian Bank United 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?
Grocery is the strongest Madeen category for the First Hawaiian Bank United at about 2.4% 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 charge foreign transaction fees?
The First Hawaiian Bank United 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 welcome bonus?
The First Hawaiian Bank United welcome offer in our snapshot: 30,000 bonus Miles1 after spending $1,500 within the 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 annual fee worth it?
Whether the $99 annual fee pays off depends on how much you spend in grocery and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
How does the First Hawaiian Bank United compare to similar cards?
Compare the First Hawaiian Bank United against Priority Destinations World Elite (2% on Grocery, $50 fee); Priority Destinations World (1.5% on Grocery, $0 fee); First Hawaiian Bank Cash Rewards Business (2% 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 This card | Grocery | 2.4% | $99 |
First Hawaiian Bank | Grocery | 2% | $50 |
First Hawaiian Bank | Grocery | 1.5% | $0 |
First Hawaiian Bank | Dining | 2% | $0 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for grocery spend to see which cards win at checkout.
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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