UNITED MILEAGEPLUS® CREDIT CARD DISCLOSURES 
(Personal, Personal World Elite and Private Banking World Elite Accounts) 

This disclosure was printed on 03/01/2016. The information for this card is accurate as of that date and is subject to change 
after that date. For any changes since the print date, contact us at BankCard Center, P.O. Box 1959, Honolulu, HI, 96805. 

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

16.49% for Personal and Personal World Elite Accounts 
11.49%  for Private Banking World Elite Accounts 

APR for Balance 
Transfers 

     These APRs will vary with the market based on the U.S. Prime Rate. 

2.99% Intro fixed APR for your first eight billing cycles following the opening of your account for 
balance transfers made within thirty days of account opening. 
After that, the APR will be 16.49% for Personal and Personal World Elite accounts and 11.49% 
for Private Banking World Elite accounts.  These APRs will vary with the market based on the 
U.S. Prime Rate. 

APR for Cash Advances 

18.00% Fixed 

Penalty APR and When it 
Applies 

18.00% Fixed 
     This APR will apply to your account if you make a late payment.  

     How Long Will the Penalty APR Apply?: The Penalty APR will apply until you have made    
     six consecutive Minimum Payments when due.  

How to Avoid Paying 
Interest on Purchases 

Your due date is at least 25 days after the close of each billling cycle.  We will not charge you 
interest on Purchases if you pay your entire New Balance by the Payment Due Date each 
month.   

Minimum Interest Charge 

If you are charged interest, the charge will be no less than $1.00. 

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau 

To learn more about factors to consider when applying for or using a credit card, visit the 
website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore. 

Fees 

Annual Fee 

Transaction Fees 

  Foreign Transaction 

$60 

2.5% of the U.S. dollar amount of any Purchase or Cash Advance made in a foreign currency 

  Balance Transfer 

Either $5 or 3% of the amount of each transfer, whichever is greater 

  Convenience Check 

Either $5 or 3% of the amount of each check, whichever is greater (maximum fee $50) 

  ATM Cash Advance 

Either $3 or 3% of the amount of each Cash Advance, whichever is greater (maximum fee $50) 

  Over-the-counter     

     Cash Advance  

Penalty Fees 

  Late Payment 

Either $5 or 3% of the amount of each Cash Advance, whichever is greater (maximum fee $50) 

Up to $35  

  Over-the-Credit Limit 

Up to $15 (only if you opt-in; N/A for World Elite Accounts) 

  Returned Payment 

Up to $35 

How We Will Calculate Your Balance: We will use a method called “Average Daily Balance (including new Purchases).”   

Loss of Introductory Balance Transfer APR:  We may end your introductory Balance Transfer APR and apply the Penalty 
APR if you make a late payment. 

Unless otherwise defined herein, all capitalized terms shall have the meaning set forth in the applicable United MileagePlus 
Credit Card Agreement. 

 
 
 
 
      
 
 
 
 
 
 
Important Information about the United MileagePlus

 Credit Card Program 

TERMS AND CONDITIONS 
®

®

United  MileagePlus
  cardholders  (“Cardholders”)  will  receive  one  (1)  United  MileagePlus  Mile  (“Mile”)  for  every  $1  of  Purchases  made 
using their United MileagePlus Credit Card and earn one (1) additional Mile for each $1 for tickets purchased directly from United. Cash 
advances,  cash  equivalents  (such  as  purchase  of  traveler’s  checks  or  cashier’s  checks)  and  other account  fees  do  not  earn  Miles.  Any 
credit  on  a  Cardholder’s  United  MileagePlus  Credit  Card  account  because  of  a  return  of  goods  or  for  any  other  reason  will  result  in  a 
corresponding  deduction  of  Miles  from  the  Cardholder’s  United  MileagePlus  Program  account  maintained  by  United.  Miles  only  will  be 
awarded to the United MileagePlus Program account of a Primary Cardholder whose United MileagePlus Credit Card account is open and 
not delinquent on the statement billing date. Miles earned will be reflected on the Primary Cardholder’s monthly credit card  statement. Co-
applicants will not be automatically enrolled in the United MileagePlus Program as a result of this application. Miles awarded through the 
use  of  the  co-applicant’s  United  MileagePlus  Credit  Card  only  will  be  credited  to  the  Primary  Cardholder’s  United  MileagePlus  Program 
account. Miles cannot be assigned or transferred in any way unless authorized by United. 

Miles accrued, awards and benefits issued are subject to change and are subject to the rules of the United MileagePlus Program, including 
without limitation the Premier® program (the “MileagePlus Program”), which are expressly incorporated herein. Please allow 6 to 8 weeks 
after completed qualifying activity for Miles to be posted to your account. United may change the United MileagePlus Program  including, 
but not limited to, rules, regulations, travel awards and special offers or terminate the United MileagePlus Program at any time and without 
notice. United, its subsidiaries, affiliates and agents are not responsible for any products and services of other participating companies or 
partners. Taxes and fees related to award travel are the responsibility of the member. Bonus award miles, award miles and any other miles 
earned through non-flight activity do not count toward qualification for Premier status unless expressly sated otherwise. The accumulation 
of mileage or Premier status or any other status does not entitle members to any vested rights with respect to the MileagePlus Program. 
MileagePlus  Program  participation  may  not  be  permitted  in  some  countries.    All  calculations  made  in  connection  with  the  MileagePlus 
Program, including without limitation with respect to the accumulation of mileage and the satisfaction of the qualification requirements for 
Premier  status,  will  be  made  by  United  Airlines  and  MileagePlus  in  their  discretion  and  such  calculations  will  be  considered  final.  
Information in this communication that relates to the MileagePlus Program does not purport to be complete or comprehensive and may not 
include all of the information that a member may believe is important, and is qualified in its entirety by reference to all of the information on 
the  united.com  website  and  the  MileagePlus  Program  rules.  United  and  MileagePlus  are  registered  service  mark.  For  complete  details 
about the MileagePlus Program, go to www.united.com.   

Your Miles will not expire as long as there is activity on your credit card account, including paying your annual membership  fee, and the 
credit  card  account  is  open  and  not  in  default.  Upon  cancellation  of  your  credit  card  account  your  Miles  will  expire  according  to  the 
MileagePlus Program rules. 

First Hawaiian Bank reserves the right to add or delete benefits and services at any time without prior notice. See the United MileagePlus 
Credit Card Agreement for details.