4×points per dollar
United Airlines
4× on united airlines, the issuer's published rate for the category.
What the First Hawaiian Bank United pays for.
Every perk, coverage and status this card carries, at the issuer's face value.
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Face value of perks
$0
This card carries no statement credits
Annual fee
$99
Charged once a year
Top earn rate
4× points
United Airlines
Discovery begins here
What every dollar returns, by where you spend it. Three categories earn extra on this card; everything else earns the base rate.
2×points per dollar
Grocery Stores
2× on grocery stores, the issuer's published rate for the category.
2×points per dollar
Gas Stations
2× on gas stations, the issuer's published rate for the category.
1×points per dollar
Everything else
The base rate on all other eligible purchases.
Multipliers are points per dollar, before any transfer or redemption value.
Coverages
Protections that come with the card and cost nothing extra. They have real value and no published price, so they are never counted into the figures above.
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
Travel & emergency assistance
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
ID theft protection
Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Elite status
Access and standing granted by holding the card. Some need a one-time sign-up with the issuer before they are live on your account.
Concierge service
Complimentary 24/7 concierge agent for lifestyle needs, travel bookings and event access.
25% back on inflight purchases
Purchase must be paid with the First Hawaiian Bank United card through the United app; account must be open and not in default; statement credit posts up to 45 days after the purchase posts. (official terms)
Mastercard Golf
Get exclusive PGA TOUR® experiences and access amazing golf benefits with our Golf Concierge Service.
MasterRental Insurance Coverage
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
Protection wherever you shop
With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
United Club Passes
2 complimentary United Club lounge passes per account per year
Start earning immediately
We'll build your wallet dashboard instantly, with every reset deadline and a note on any credit that needs a sign-up first, so you can begin earning from day one.
