First Hawaiian Bank United
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.. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Grocery
- Effective value
- 2.4%
- Annual fee
- $99
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
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 94% of the 1,552 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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 94% of the 1,552 cards we track in that category.
| 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 94% 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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is grocery at about 2.4% effective (2x miles).
- That grocery rate ranks higher than about 94% 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.
Does the First Hawaiian Bank United have an annual fee, and what's the welcome bonus?
The First Hawaiian Bank United has an annual fee of $99 and a foreign transaction fee of None. New applicants may see: 30,000 bonus Miles1 after spending $1,500 within the first 3 months after opening a new account.. Confirm current issuer terms before applying.
- Annual fee
- $99
- Foreign transaction fee
- None
- Signup bonus
- 30,000 bonus Miles1 after spending $1,500 within the first 3 months after opening a new account. First-year annual fee waived.
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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Lounge access2 complimentary United Club lounge passes per account per year
- Free checked bag1st and 2nd checked bags free
What benefits come with the First Hawaiian Bank United?
- Extended Warranty
Extended Warranty doubles 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
- Global emergency servicesIncluded with World Elite Mastercard®
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
- HealthLockIncluded with World Elite Mastercard®
Enroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
- Inflight Discount
Receive a statement credit of 25% on all inflight purchases
- InstacartIncluded with World Elite Mastercard®
Groceries 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.
- LyftIncluded with World Elite Mastercard®
More 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 GolfIncluded with World Elite Mastercard®
Get exclusive PGA TOUR® experiences and access amazing golf benefits with our Golf Concierge Service.
- Mastercard ID Theft ProtectionIncluded with World Elite Mastercard®
Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Common questions about the First Hawaiian Bank United
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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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. Madeen compares effective rates across the cards you already carry without bank login. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the First Hawaiian Bank United?
Madeen's catalog lists a typical credit range of Good to Excellent for the First Hawaiian Bank United. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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 |
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