This United Credit Card is issued by the First Hawaiian Bank and not by Chase bank. If you are eligible to apply for this card, this is a good option not having to deal with Chase 5/24 application rule and the card's benefits are pretty much similar to Chase issued United Explorer Card. The big downside of First Hawaiian Bank issued United credit card is that you must have an address in Hawaii, Guam and Northern Mariana Islands in order to apply for the card. 

Disclaimer: I don't earn any commission from the following credit card's offer nor I am affiliate with any credit card issuers below. Just love great deals for traveling. 
 
United Credit Card by First Hawaiian Bank Review

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    Welcome Offer

    • Earn 25,000 miles after spending $1,500 within the first 3 months after opening a new account.
    • Direct link to offer

    Card Details

    There's no cap on how many miles you can earn from the following:
    • Earn 2 miles per $1 spent on purchases at grocerty stores. 
    • Earn 2 miles per $1 spent on gas purchases.
    • Earn 2 miles per $1 spent on United tickets purchased through United. 
    • Earn 1 mile per $1 spent on all other purchases. 

    Rates and Fees

    • $0 introductory annual fee for the first year, and $99 per year thereafter. 
    • No foreign transaction fees. 
    • 2.99% introductory balance transfer APR for the first eight months after account opening, and a variable rate thereafter (currently 17.74%).

    Additional Perks

    • First and second checked bags free. 
    • Two complimentary United Club one-time pass annually. 
    • Access to award inventory more than general MileagePlus members.
    • Complimentary premier upgrades on award tickets. 

    Two Cents

    As you can see, the benefits of the First Hawaiian Bank issued United Credit Card is very much the same as Chase issued United Explorer Card. While the application with First Hawaiian Bank is very limited to only Hawaii, Guam and Northern Mariana Islands residents, it is great to see that United is doing its part to offer travelers with a credit card that is issued by a different bank. I am hoping that they will open to more states down the road. If you are eligible to apply and you are tired of waiting around to qualify for Chase 5/24 rule or you have been shut down by Chase bank, this is a good alternative option to get a United credit card. Having United credit card will allow you to bring on carry-on, check first and second bags free of charge for you and your travel companions even if you book United basic economy fare. For points travelers, being able to access the award seats inventory more than the general members is a great perk. 

    As always, if you are eligible to apply, you may consider getting First Hawaiian Bank issued United Credit Card only if you are a responsible credit card consumer that pays off the balance on the card each month. You can set up auto-pay to pay off your card's balance each month to avoid late payment and hefty interest. 

    We've added this new United Credit Card to our Master List of Best Credit Card Sign-Up Bonus Offers page.