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The Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® - Product Name Only is a credit card that offers benefits that easily justify the Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® - Annual Fee annual fee for someone who takes at least one trip on Hawaiian Airlines annually. It's especially handy for couples traveling together. But if you never fly on Hawaiian Airlines planes, there are better options.

Review: Is the Hawaiian Airlines Credit Card the best credit card for you?

The Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® - Product Name Only rarely makes anyone's list of the best airline credit cards. But that doesn't mean the card is a slouch.

It comes with a combination of useful benefits that you won't find on nearly any other credit card. If you fly Hawaiian Airlines even once per year, this card could make plenty of sense.

First, the card comes with Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® - Intro Bonus. Along with that, you'll also receive a single-use companion discount of 50% off a round-trip coach flight between North America and Hawaii.

The ongoing benefits are the reason a casual Hawaiian Airlines flyer will pay the Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® - Annual Fee annual fee each year. You'll get two free checked bags when you use the card to purchase your airfare (potentially $140 in savings per round-trip) — and you'll also get an annual $100 companion discount. It even provides discounts of up to 25% on award flights.

Hawaiian Airlines doesn't have a lengthy list of airline partners for which you can redeem your miles. If you almost never fly with Hawaiian Airlines, you should look into a credit card co-branded by another airline with a healthier list of partners, such as the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® - Product Name Only. You can redeem American Airlines miles to book flights on many more airlines (including Hawaiian) than Hawaiian Airlines miles allow.

We're focused here on the rewards and perks that come with each card. These cards won't be worth it if you're paying interest or late fees. When using a credit card, it's important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.

How to earn rewards with the Hawaiian Airlines Credit Card

The Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® - Product Name Only offers a welcome bonus of Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® - Intro Bonus.

Aside from that, you'll earn the following when spending on the card:

  • 3 miles per dollar on eligible Hawaiian Airlines purchases
  • 2 miles per dollar on gas, dining, and eligible grocery store purchases
  • 1 mile per dollar on all other eligible purchases

Insider estimates Hawaiian Airlines miles value to be an average of 1 cent each when used for travel — though you could potentially receive more value, depending on how you use them. That means this card effectively earns between 1% and 3% back on purchases.

How to use rewards

To get the most value from your miles, you'll need to redeem them as they were intended — for award flights.

Hawaiian Airlines doesn't fly to many destinations worldwide. You can use Hawaiian Airlines miles to fly between Hawaii and the mainland US, Japan, Korea, Australia, New Zealand, and a handful of islands in the South Pacific. However, you can also use your miles to fly on the following partner airlines:

  • Japan Airlines
  • JetBlue
  • Korean Air
  • Virgin Atlantic
  • Virgin Australia

This opens up much of the world to you — including flights to Europe, the Caribbean, Africa, and Australia. 

Hawaiian Airlines uses various award charts to price its flights. If you're flying on a Hawaiian Airlines plane, you'll use this award chart. If you're flying on its partner airlines, you'll use these award charts.

Unfortunately, the price you'll pay in miles isn't quite competitive with many other popular airline award prices. You can still get solid value from them, but you may have to work a little harder.

Here are a few good ways to redeem your miles:

  • Fly from Honolulu to Tahiti in coach for 27,500 miles one-way (normally $700 in cash).
  • Island hop around Hawaii for 15,000 miles one-way in business class (normally $160 in cash).
  • Fly from Honolulu to Los Angeles one-way in lie-flat business class for 40,000 miles one-way (normally $1,350 in cash).
  • Fly from Sydney to Gold Coast for 40,000 miles round-trip in business class (normally $457)

All these trips will give you a value higher than Insider's estimated average value of 1 cent each.

Benefits and features

Two free checked bags

This is a rare and valuable benefit among credit cards — and for a card that charges just a Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® - Annual Fee annual fee, it's unprecedented.

If you're the primary cardholder, you'll get your first two checked bags for free when you pay for your airfare with the Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® - Product Name Only. Hawaiian charges:

  • Inter-island travel — $25 for the first bag ($15 for Hawaiian Airlines members) and $35 for the second bag
  • Travel to North America — $30 for the first bag and $40 for the second bag

This benefit helps Hawaiian Airlines to compete with the likes of Southwest, its main competitor serving the Hawaiian islands. Southwest gives all passengers two free checked bags — no credit card necessary. 

One-time 50% companion discount

When you open the Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® - Product Name Only, you'll get a single-use discount of 50% off a round-trip coach flight for a travel buddy between North America and Hawaii. This companion certificate is good for up to 13 months after account opening.

Depending on where you fly, this could save you a good amount of money. Round-trip coach flights between Hawaii and East Coast cities like Boston and New York can cost over $700.

$100 annual companion discount

Each year you renew your card, you'll receive a $100 discount for round-trip coach flights between North America and Hawaii. If you'll use it, this perk will single-handedly offset the Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® - Annual Fee annual fee each year.

Discounted award flights on Hawaiian Airlines

With the Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® - Product Name Only, you'll receive a discount on coach awards when flying on Hawaiian Airlines. Discounts vary between 5% and 25%, depending on your route.

It appears that most often you'll receive a discount of around 12.5%. That's a healthy "rebate" just for holding a credit card.

Up to $100 in inflight purchases for elite flyers

If you have Hawaiian Airlines Gold or Platinum elite status, your Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® - Product Name Only can reimburse you for up to $10 per day in inflight purchases (maximum $100 per year).

Free miles transfers to friends and family

Primary cardholders can transfer Hawaiian Airlines miles to friends and family without a fee. Amazingly, there is no minimum number of miles you must transfer. So if you've got 800 miles you'll never use, you can send it to someone who can.

Cell phone insurance

When you pay your monthly phone bill with the Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® - Product Name Only, you can receive up to $1,000 in cell phone protection each year. You'll get up to $800 per claim, with a maximum of two claims in a year.

If you're currently paying for phone insurance, this card is worth cash to you.

Various memberships and statement credits

World Elite Mastercard credit cards come with a handful of statement credits which, if you can use them all, translate to more than $100 in value:

  • 3 free months of DoorDash DashPass (worth $9.99 per month)
  • $5 Lyft credit each month you ride at least three times
  • Free ShopRunner membership for complimentary two-day shipping at more than 100 stores (worth $79 per year)

World Elite Mastercard credit cards also come with a World Elite Concierge which can help you to book event tickets and hard-to-acquire dinner reservations.

Fees and costs

The Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® - Product Name Only incurs a Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® - Annual Fee annual fee. You'll also pay for things like balance transfers and cash advances.

This card does not charge foreign transaction fees.

Compare Hawaiian Airlines Credit Card vs other Barclays airline cards

 

Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® - Product Name Only

AAdvantage® Aviator® Red World Elite Mastercard® - Product Name Only

JetBlue Plus Card - Product Name Only

Annual fee

Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® - Annual FeeAAdvantage® Aviator® Red World Elite Mastercard® - Annual FeeJetBlue Plus Card - Annual Fee

Rewards rate

3x miles on eligible Hawaiian Airlines purchases

2x miles on gas, dining, and eligible grocery store purchases

1 mile per dollar on all other eligible purchases

2x miles on eligible American Airlines purchases

1 mile per dollar on all other eligible purchases

6 points per dollar with JetBlue

2 points per dollar at restaurants and grocery stores

1 point per dollar for all other eligible purchases

Welcome bonus

Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® - Intro BonusAAdvantage® Aviator® Red World Elite Mastercard® - Intro BonusJetBlue Plus Card - Intro Bonus

Travel benefits

Two free checked bags on Hawaiian Airlines 

Single-use 50% companion discount between Hawaii and North America on Hawaiian Airlines

$100 annual companion discount for roundtrip flights between Hawaii and North America on Hawaiian Airlines

Discounted award flights on Hawaiian Airlines

Free first checked bag on American Airlines domestic itineraries

Preferred boarding on American Airlines flights

25% back on American Airlines inflight purchases

Companion certificate each anniversary year when you spend $20,000 on purchases and your account remains open for 45 days after your anniversary date

5,000 bonus points after each account anniversary

Free checked bag for you and up to three companions on your reservation (must use your card to pay for your flight)

10% rebate when you redeem points

Ability to earn JetBlue Mosaic elite status by spending $50,000 in a calendar year

50% savings on inflight food and drink when flying JetBlue

$100 statement credit each year when you use the card to purchase a JetBlue Vacations package costing at least $100

Review

 AAdvantage Aviator Red reviewJetBlue Plus Credit Card review

Hawaiian Airlines Credit Card vs other airline credit cards

 

Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® - Product Name Only

United℠ Explorer Card - Product Name Only

Delta SkyMiles® Gold American Express Card - Product Name Only

Annual fee

Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® - Annual FeeUnited℠ Explorer Card - Annual FeeDelta SkyMiles® Gold American Express Card - Annual Fee

Rewards rate

3x miles on eligible Hawaiian Airlines purchases

2x miles on gas, dining, and eligible grocery store purchases

1 mile per dollar on all other eligible purchases

2x miles on eligible United purchases

2x miles on dining and hotel stays booked directly with the hotel

1 mile per dollar on everything else

2x miles on Delta purchases

2x miles at US supermarkets and at restaurants worldwide

1 mile per dollar on everything else

Welcome bonus

Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® - Intro BonusUnited℠ Explorer Card - Intro BonusDelta SkyMiles® Gold American Express Card - Intro Bonus

Travel benefits

Two free checked bags on Hawaiian Airlines 

Single-use 50% off companion discount between Hawaii and North America on Hawaiian Airlines

$100 annual companion discount for roundtrip flights between Hawaii and North America on Hawaiian Airlines

Discounted award flights on Hawaiian Airlines

Two United Club one-time passes per anniversary year

Free first checked bag on United flights* 

Priority boarding on United flights

25% back on United inflight purchases

Global Entry, TSA PreCheck, or NEXUS application fee credit

Complimentary Premier upgrades

500 Premier Qualifying Points (PQP) for every $12,000 you spend on purchases****

Expanded access to United award flights

Complimentary DoorDash DashPass and Caviar membership through December 31, 2024

Free first checked bag and priority boarding on Delta flights

$100 flight credit when you spend $10,000 or more in a calendar year

20% off inflight purchases as a statement credit

Review

 United Explorer Card reviewDelta SkyMiles Gold American Express card review

Hawaiian Airlines Credit Card frequently asked questions (FAQ)

Is this credit card worth it?

The Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® - Product Name Only comes with features that make the card easily worth its Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® - Annual Fee annual fee for anyone who flies Hawaiian Airlines even once or twice per year.

For example, if you were to pay for your airfare with the card and check two bags on a round-trip flight, you'd save $140. Or, if you take one round-trip coach flight with a travel buddy between North America and Hawaii, you can use the card's annual $100 companion ticket discount to immediately offset the card's annual fee.

Where is the Hawaiian Airlines credit card sign-in?

The Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® - Product Name Only is issued by Barclays, a bank located in the UK. You can find your login information by heading to the Barclays US site.

How do I view my Hawaiian Airlines application status?

You can check your Barclays credit card application status by visiting this page. You'll have to enter your last name, the last four digits of your Social Security number, your zip code, and your email address.

What credit score do I need to get the Hawaiian Airlines Credit Card?

As with most travel rewards credit cards, you'll need good to excellent credit. We recommend that you not apply for a rewards credit card until your score is at least 700 to give you the best possible chance of being approved.

Read the original article on Business Insider