This study proposes a novel methodology to model the fatigue crack growth acceleration under underloads using a phase field fracture framework. In this model, fatigue crack growth is characterized by the degradation of fracture toughness, with an emphasis on employing a representative loading strategy instead of explicit cyclic loading, thus accelerating simulations of high-cycle fatigue. The model integrates a zone-based crack acceleration approach that responds to single-cycle underload. Notably, the model adeptly captures the dynamics described by the Paris-Erdogan law. Post-underload crack growth acceleration is simulated by identifying an acceleration zone near the crack tip, inspired by existing models based on the plastic zone. This zone is defined by a strain energy density threshold, and the underload ratio governs the rate of fatigue damage accumulation attenuation within this area. The implementation leverages the UMAT user subroutine in Abaqus, utilizing coupled temperature-displacement elements where temperature analogously represents the phase field parameter. Experimental validation of the model confirms its ability to accurately reflect the loss of fatigue life and the acceleration of crack growth rates in compact tension and middle tension specimens. Additionally, the model shows promise for extension to periodic underloads, highlighting its potential for simulating real-world fatigue scenarios effectively.