Miles · Mastercard · $99 annual fee
Last verified 2026-10-26. Review issuer source
First Hawaiian Bank United is a $99-a-year miles card from First Hawaiian Bank. Its best everyday rates are 2x on gas stations, and 2x on grocery stores; everything else earns 1x. There is also 4x on United Airlines, a single-merchant rate. Rewards are United MileagePlus miles that only spend inside that program, so we value them at roughly a third of a cent each.
On our reference budget of $24,600 a year it earns $110, which clears the $99 fee with $11 to spare before any credits or perks. The welcome bonus, 30,000 miles after $1,500 in 3 months, adds to the first year's return. The annual fee is waived the first year.
Get it if you already fly or stay with United MileagePlus often enough to use the free checked bag. A general travel card earns points that go more places.
2x Miles per $1 spent on gas and groceries
2x Miles per $1 spent on gas and groceries
4x Miles per $1 spent on United tickets as a United credit cardholder
30,000 bonus Miles1 after spending $1,500 within the first 3 months after opening a new account.
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.
Receive a statement credit of 25% on all inflight purchases.
Theft 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.
Earn 25 Premier Qualifying Points (PQP) for every $500 in qualifying card spend, up to 1,000 PQP per calendar year.
2 complimentary United Club lounge passes per account per year.
These come from Mastercard, not from First Hawaiian Bank. Every card on the World Elite Mastercard tier carries them, so they should not decide between two cards.
A smooth departure starts with Fast Track access. Use your World Elite Mastercard to purchase* discounted access to a dedicated security lane for you and your guests at select airports in 30+ countries outside the U.S. Enjoy this benefit as part of The Mastercard Collection.
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
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.
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.
Complimentary 24/7 concierge agent for lifestyle needs, travel bookings and event access.
Get exclusive PGA TOUR® experiences and access amazing golf benefits with our Golf Concierge Service.
Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard gives you exclusive access to premium preferred seats and ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
Save 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.
Enhance travel with cash back rewards when traveling internationally and shopping from your home.
Get $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.
Enjoy experiences in culture, dining, sports, entertainment and more in over 45 exciting destinations around the globe.
With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Chef-curated menus, signature drinks, and a space designed for travelers. Taste by Priceless is a dining club that reimagines culinary experiences at the airport — now open at Hong Kong International Airport. Use your World Mastercard to purchase access for yourself and your guests, as a benefit of The Mastercard Collection.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
2 complimentary United Club lounge passes per account per year
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| First Hawaiian Bank UnitedThis card · 2x on gas stations | $99 | $110 | +$11 | 1047th of 1,284 |
| Priority Unlimited® Cash BackFirst Hawaiian Bank's most-held other card · 1.5% on everything | None | $369 | +$369 | 501st of 1,284 |
| Chase Freedom Flex® Credit CardThe strongest no-fee card on this budget · 7% on dining | None | $822 | +$822 | 1st of 1,284 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 2nd of 1,284 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
