Hawaiian Airlines® World Elite Mastercard® review: Solid perks for Hawaiian trips
A card worth a look for frequent flyers to the Hawaiian islands.
The Bankrate promise
At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for .
Snapshot
4.2
Bottom line
This co-branded airline card provides solid travel perks for people who fly often with Hawaiian Airlines. You can earn bonus miles in several everyday categories and access a strong intro offer, as well as a valuable companion pass discount on each account anniversary. With a $99 annual fee though, you’ll need to use these perks enough to justify the ongoing cost.
Intro offer
N/A
Rewards rate
1X - 3X
Annual fee
$99
Regular APR
21.24% - 29.99% Variable
Bankrate Score
Remove a card to add another to compare
Remove a card to add another to compare
Hawaiian Airlines® World Elite Mastercard® overview
The Hawaiian Airlines World Elite Mastercard is a Barclays credit card that earns miles in the HawaiianMiles loyalty program. If you fly frequently with Hawaiian Airlines, this card offers solid ongoing value, extra airline perks, and a decent welcome offer. But if you just want to earn as many HawaiianMiles as possible, you may find better earning rates on other cards.
-
Rewards
- 3X HawaiianMiles on eligible Hawaiian Airlines purchases
- 2X HawaiianMiles on gas, dining purchases and eligible grocery stores
- 1X HawaiianMiles on all other purchases
Expert Appraisal: Typical
See our expert analysis -
Welcome offer
- 70,000 HawaiianMiles after spending $2,000 on purchases in the first 90 days
Expert Appraisal: Good
See our expert analysis -
Rates and fees
- Annual fee: $99
- Foreign transaction fee: $0
- Regular APR: 21.24 percent to 29.99 percent variable APR
- Balance transfer fee: Either $5 or 5 percent, whichever is greater
- Cash advance fee: Either $10 or 5 percent, whichever is greater
- Late payment fees: Up to $40
- Returned payment fees: Up to $40
Expert Appraisal: Typical
See our expert analysis -
Other cardholder perks
- Two free checked bags for the primary cardmember on eligible flights purchased with Hawaiian Airlines directly
- $100 annual companion discount for a roundtrip ticket between Hawaii and North America on Hawaiian Airlines on your account anniversary
- One-time 50 percent companion discount for a roundtrip ticket between Hawaii and North America on Hawaiian Airlines
- Up to $10/day InFlight purchase credit for Pualani Platinum and Gold members (up to $100 annually)
Expert Appraisal: Good
See our expert analysis
Hawaiian Airlines® World Elite Mastercard® pros and cons
Pros
-
You’ll get excellent value from the flight perks and discounts if you fly with Hawaiian regularly.
-
The welcome offer provides outsized value for manageable spending.
-
Elite members can easily offset the annual fee through in-flight credits.
Cons
-
You can earn more HawaiianMiles in many categories using Amex cards and transferring the rewards to Hawaiian Airlines.
-
There isn’t an intro APR offer for purchases or balance transfers.
-
Hawaiian Airlines has a smaller US footprint than other major airlines.
Why you might want the Hawaiian Airlines® World Elite Mastercard®
The Hawaiian Airlines World Elite Mastercard can quickly boost your HawaiianMiles balance while offering valuable perks and discounts on travel.
Welcome offer: Valuable for a Hawaiian trip
New Hawaiian Airlines World Elite Mastercard cardholders can earn 70,000 bonus miles after spending $2,000 in purchases in the first 90 days. According to Bankrate’s latest point valuations, HawaiianMiles are worth around 0.7 cents per point. At that valuation, the welcome bonus would be worth approximately $490 — a return of 24.5 percent.
With this welcome offer, you’ll get excellent value for a manageable amount of spending. For an example of how far this bonus may take you, Saver awards with Hawaiian start at 7,500 for inter-island flights and 20,000 miles one-way between Hawaii and the mainland. Partner airlines could also help you get more value from your miles via higher transferred point values.
Perks: Solid flight benefits
The best feature of the Hawaiian Airlines World Elite Mastercard is the flight-related perks with Hawaiian Airlines. You’ll get two checked bags free when you use the card to purchase domestic Hawaiian Airlines flights directly through the airline, which can save as much as $85. You’ll also be eligible for discounted award flights on Hawaiian Airlines and can send and receive miles from friends and family without a fee. Miles don’t expire as long as your card is active and in good standing.
When you sign up for the card, you’ll get a one-time, 50 percent-off companion discount for round-trip travel between North America and Hawaii on Hawaiian Airlines. Every year, you’ll also get a $100 companion discount for round-trip travel between North America and Hawaii on Hawaiian Airlines on your account anniversary. Using just these two perks is more than enough to offset the card’s annual fee.
Finally, Pualani Platinum and Gold members can get even more value with an annual credit of up to $100 of InFlight credits on eligible flight purchases for up to $10 per day.
Why you might want a different airline card
The Hawaiian Airlines World Elite Mastercard might not be for you if you need an intro APR offer or want to earn points with more flexibility. You can also earn more HawaiianMiles with other cards.
Rewards: Earn more with Amex cards
The Hawaiian Airlines World Elite Mastercard earns 3X miles on eligible purchases with Hawaiian Airlines and 2X miles on grocery store, gas and dining transactions. All other transactions earn 1X miles. You can also earn additional bonus points by shopping with participating partners through the HawaiianMiles Marketplace, flying partner airline flights, and staying at partner hotels.
You can redeem miles for flights on Hawaiian Airlines or Hawaiian’s partner airlines (JetBlue, Japan Airlines, Korean Air, China Airlines and Virgin Australia). You may also redeem HawaiianMiles with partners for car rental gift certificates, magazines and more, but these don’t provide good value.
However, you can earn more HawaiianMiles in many categories with an eligible American Express Membership Rewards card. One of the best ways to spend Membership Rewards points is to transfer to Amex’s travel partners, which includes Hawaiian Airlines. So, any card that outearns the Hawaiian card in any particular category will effectively earn more HawaiianMiles than this card. You’ll also have the superior redemption flexibility that Amex provides.
Bankrate’s take: Hawaiian Airlines purchases with The Platinum Card® from American Express earn 5X points versus 3X miles on the Hawaiian card. You’ll forgo benefits like free checked baggage by not using the Hawaiian card, but you’ll earn more points with more flexibility. Many other Amex cards also earn more than the 2X miles earned in the Hawaiian card’s bonus categories or the 1X miles on other purchases. So, if you want to accrue significant miles, you may be better off using a different card in the Amex family to boost your balance.
Rates and fees: Fairly typical
The card carries a $99 annual fee, comparable to other co-branded airline cards. The remaining costs are also fairly typical and don’t do much to prop up the card’s value. You’ll want to ensure you get enough value from the airline-specific perks to justify the annual fee.
On the bright side, this card does not charge foreign transaction fees. Barclays cards can also be helpful while traveling abroad if you need chip and pin technology, which you might use at places like a kiosk at a train station.
How the Hawaiian Airlines® World Elite Mastercard® compares to other airline cards
If your traveling habits don’t regularly include Hawaiian Airlines, you may be better off considering different travel credit cards or airline credit cards. The Hawaiian Airlines World Elite Mastercard is ideal for flying Hawaiian Airlines and its partners, but other options can provide better flexibility.
The Hawaiian Airlines® World Elite Mastercard®
Annual fee
Intro offer
Rewards rate
Earn 3x miles on eligible Hawaiian Airlines purchases. Earn 2x miles on gas, dining and grocery store purchases. Earn 1x miles on all other purchases.
Recommended Credit Score
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Annual fee
Intro offer
75,000 miles once you spend $4,000 on purchases within 3 months from account opening
Rewards rate
5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel. 2 Miles per dollar on every purchase, every day.
Recommended Credit Score
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Annual fee
Intro offer
Unlimited Bonus: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. You could turn 35,000 Miles to 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
Rewards rate
Automatically earn unlimited 1.5x Miles on every dollar of every purchase.
Recommended Credit Score
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Who is the Hawaiian Airlines® World Elite Mastercard® right for?
The Hawaiian Airlines World Elite Mastercard gives the best value to frequent flyers and those who want to jumpstart their balance toward a Hawaiian vacation.
Bankrate’s Take — Is the Hawaiian Airlines® World Elite Mastercard® worth it?
The Hawaiian Airlines World Elite Mastercard provides solid value if you fly Hawaiian Airlines at least once a year. Since it charges an annual fee, you’ll only see a return if you consistently use the checked bag credit and companion discount or redeem enough flights to benefit from this card’s miles rewards structure.
But if you don’t fly with Hawaiian Airlines, can’t use the companion discounts or want more reward flexibility, you may be better off with a different general travel credit card.
How we rated this card
We rate credit cards using a proprietary card scoring system that ranks each card’s estimated average rewards rate, estimated annual earnings, welcome bonus value, APR, fees, perks and more against those of other cards in its primary category.
Each card feature is assigned a weighting based on how important it is to people looking for a card in a given category. These features are then scored based on how they rank relative to the features on other cards in the category. Based on these calculations, each card receives an overall rating of 1-5 stars (with 5 being the highest possible score and 1 being the lowest).
We analyzed over 150 of the most popular rewards and cash back cards to determine where each stacked up based on their value, cost, benefits and more. Here are some of the key factors that influenced this card’s overall score and how the score influenced our review:
Frequently asked questions
All information about the Hawaiian Airlines® World Elite Mastercard® credit card has been collected independently by Bankrate and has not been reviewed or approved by the issuer.
* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.
Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.