Card comparison
Which card is better between United℠ Business Card and First Hawaiian Bank United?
United℠ Business Card is the better overall pick over First Hawaiian Bank United because it leads on Madeen's weighted scorecard (66 vs 34) across categories, bonus, benefits, and fee.
Effective rate Tie
Annual fee First Hawaiian Bank United
Welcome bonus United℠ Business Card
Benefits value United℠ Business Card
United℠ Business Card is the stronger overall pick between United℠ Business Card and First Hawaiian Bank United because it leads on Madeen's weighted scorecard (66 vs 34) across categories, bonus, benefits, and fee. United℠ Business Card (2.4% top effective rate) vs First Hawaiian Bank United (2.4%): Madeen's catalog compares fees vs fees across dining, grocery, gas, and travel — not just headline categories.
Choose A if
Choose United℠ Business Card when its strongest categories, bonus, or perks match how you actually spend.
Choose B if
Choose First Hawaiian Bank United when the fee, welcome bonus, or issuer ecosystem fits better than the headline winner.
Full comparison
How do United℠ Business Card and First Hawaiian Bank United compare across all spend categories?
Across all five spend categories, United℠ Business Card and First Hawaiian Bank United trade wins row by row. United℠ Business Card peaks at 2.4% effective; First Hawaiian Bank United peaks at 2.4%. Tie wins the headline effective-rate view in this pair.
| Category / metric | United℠ Business Card | First Hawaiian Bank United | Winner |
|---|---|---|---|
| Dining | 2x miles (2.4%) | 1x miles (1.2%) | United℠ Business Card · 1.2 pts |
| Grocery | 1x miles (1.2%) | 2x miles (2.4%) | First Hawaiian Bank United · 1.2 pts |
| Gas | 2x miles (2.4%) | 2x miles (2.4%) | Tie |
| Travel | 2x miles (2.4%) | 1x miles (1.2%) | United℠ Business Card · 1.2 pts |
| Other | 1x miles (1.2%) | 1x miles (1.2%) | Tie |
| Welcome bonus | ~$1320 estimated | ~$360 estimated | United℠ Business Card |
| Est. annual benefits | $57294/yr | $12255/yr | United℠ Business Card |
| Annual fee | $150 | $99 | First Hawaiian Bank United |
| Holistic overall | 66 pts (cat 23, bonus 16, benefits 21, fee 6) | 34 pts (cat 17, bonus 4, benefits 4, fee 9) | United℠ Business Card |
Madeen take
How to think about this pair
United℠ Business Card (2.4% top effective rate) vs First Hawaiian Bank United (2.4%): Madeen's catalog compares fees vs fees across dining, grocery, gas, and travel — not just headline categories.
Strategy
Use United℠ Business Card when Best for spenders who put meaningful volume in dining 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.. Use First Hawaiian Bank United when Best for spenders who put meaningful volume in grocery and can earn 2x miles. The welcome bonus can help if you can meet the.
Hold both?
Some users carry both cards when one wins dining and the other wins groceries — but only if you will actually use each card for its winning category.
Welcome bonus playbook
If you are chasing a welcome bonus, United℠ Business Card leads on catalog bonus value. For long-term category earn after the bonus, First Hawaiian Bank United is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend.
Madeen analysis
Which card has stronger benefits: United℠ Business Card or First Hawaiian Bank United?
Madeen estimates $57294 annual benefit value on United℠ Business Card versus $12255 on First Hawaiian Bank United. Credits only matter if you will use them.
United℠ Business Card
Total est. value: $57,294/yr
Credits and perks only help if you will actually use them in a typical year.
- Extended Warranty Protection $10,000/yr
- Purchase Protection $10,000/yr
- Purchase Security and Extended Protection $10,000/yr
- Trip Cancellation and Interruption $10,000/yr
- DoorDash $3,600/yr
First Hawaiian Bank United
Total est. value: $12,255/yr
Credits and perks only help if you will actually use them in a typical year.
- Extended Warranty $10,000/yr
- Lyft $1,440/yr
- Mastercard Transit Benefit $200/yr
- World Elite Concierge $150/yr
- Instacart $140/yr
Welcome bonus
Which welcome bonus is stronger for United℠ Business Card or First Hawaiian Bank United?
If you are chasing a welcome bonus, United℠ Business Card leads on catalog bonus value. For long-term category earn after the bonus, First Hawaiian Bank United is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend. United℠ Business Card lists 110k United MileagePlus; First Hawaiian Bank United lists 30k United.
United℠ Business Card
110k United MileagePlus
First Hawaiian Bank United
30k United MileagePlus
Caps & conditions
Caps and earn limits
United℠ Business Card has catalog caps that can change the winner on heavy category spend, while First Hawaiian Bank United looks cleaner on cap structure in this snapshot.
United℠ Business Card
- 2 miles per $1 spent on dining, including eligible delivery services
- 2 miles per $1 spent at gas stations
- 2 miles per $1 spent on local transit and commuting
Who should pick which
Scenario playbook
Cashback-first user
Pick First Hawaiian Bank United
First Hawaiian Bank United is the better cashback-style pick because it has the cleaner effective-rate and fee blend for this pair.
Travel & points user
Pick United℠ Business Card
United℠ Business Card is the stronger travel-style pick because it combines better reward value with more travel-friendly positioning.
No annual fee priority
Pick First Hawaiian Bank United
First Hawaiian Bank United is easier to keep for no-fee users because it has the lighter annual-fee burden in this pair.
Heavy dining spend
Pick United℠ Business Card
For restaurant and dining-coded spend, the winner is whoever posts the stronger dining effective rate after caps and exclusions — see the category matrix for the current snapshot.
Heavy grocery spend
Pick First Hawaiian Bank United
Supermarket and grocery coding can differ from superstores and delivery, so compare the grocery row before you optimize a weekly shopping basket.
Welcome bonus chaser
Pick United℠ Business Card
If you are chasing a welcome bonus, United℠ Business Card leads on catalog bonus value. For long-term category earn after the bonus, First Hawaiian Bank United is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend.
Fee-sensitive keeper
Pick First Hawaiian Bank United
When you want the card that is easiest to keep year two, annual fee often matters more than a narrow category edge.
Decision guide
Which card is better between United℠ Business Card and First Hawaiian Bank United?
United℠ Business Card is the better overall pick because it leads on Madeen's weighted scorecard (66 vs 34) across categories, bonus, benefits, and fee. United℠ Business Card (2.4% top effective rate) vs First Hawaiian Bank United (2.4%): Madeen's catalog compares fees vs fees across dining, grocery, gas, and travel — not just headline categories.
When should you pick United℠ Business Card over First Hawaiian Bank United?
Choose United℠ Business Card if Best for spenders who put meaningful volume in dining 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.. Worth a look for dining spend if you need a business card and can use United MileagePlus the way you.
Strengths
- Strongest Madeen category is dining at about 2.4% effective (2x miles).
- That dining rate ranks higher than about 80% of cards we track in the category.
- No foreign transaction fee listed.
Tradeoffs
- $150 annual fee requires enough spend in bonus categories to offset.
- Multiple caps, activations, or exclusions may limit headline earn rates.
When should you pick First Hawaiian Bank United over United℠ Business Card?
Choose First Hawaiian Bank United if 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.. Best for grocery-heavy spend when the $99 fee fits your usage; confirm issuer terms before applying.
Strengths
- 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.
Tradeoffs
- $99 annual fee requires enough spend in bonus categories to offset.
- United MileagePlus value depends on how you redeem, not straight cash back.
Common questions about United℠ Business Card vs First Hawaiian Bank United
Which card is better between United℠ Business Card and First Hawaiian Bank United?
United℠ Business Card is the stronger overall fit because it leads on Madeen's weighted scorecard (66 vs 34) across categories, bonus, benefits, and fee. The overall winner depends on your spend mix — use the scorecard rows and scenario playbook to see where each card actually wins.
Which card wins on dining: United℠ Business Card or First Hawaiian Bank United?
United℠ Business Card leads dining at 2.4% effective versus 1.2%.
Which card is better for cashback users: United℠ Business Card or First Hawaiian Bank United?
First Hawaiian Bank United is the better cashback-style pick between United℠ Business Card and First Hawaiian Bank United.
Which welcome bonus is stronger between United℠ Business Card and First Hawaiian Bank United?
If you are chasing a welcome bonus, United℠ Business Card leads on catalog bonus value. For long-term category earn after the bonus, First Hawaiian Bank United is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend.
Which card has stronger benefits: United℠ Business Card or First Hawaiian Bank United?
United℠ Business Card leads on estimated annual benefit value in the Madeen snapshot.
Which card has the lower annual fee: United℠ Business Card or First Hawaiian Bank United?
First Hawaiian Bank United has the simpler fee story in this pair ($150 vs $99). Annual fee only wins if you use the rewards and credits that justify it.
Is United℠ Business Card or First Hawaiian Bank United better for travel spend?
United℠ Business Card is the stronger travel-style pick between United℠ Business Card and First Hawaiian Bank United in this snapshot.
Compare
Related comparisons
Related topics
Explore the related pages
Reviewed by Madeen editorial review
Catalog snapshot 2026-05-01
Updated 2026-06-25
Content tier Standard
Chase and First Hawaiian Bank (and related product names) are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, or endorsed by either issuer. Madeen is an independent credit-card comparison and education service.
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