Hawaiian Airlines® World Elite Mastercard®

Quick Snapshot

• Annual Fee: $99
• APR: 21.49%-29.49% variable
• Rewards: 3X on Hawaiian Airlines, dining, and gas; 2X on groceries; 1X on everything else
• Bonus: Earn 70,000 bonus HawaiianMiles after spending $2,000 in the first 90 days
• Best For: Hawaii travelers and Hawaiian Airlines loyalists who want miles and checked bag savings
• Credit Needed: Good to Excellent (670-850)

Overview

The Hawaiian Airlines World Elite Mastercard is the go-to card for anyone who flies to, from, or between the Hawaiian islands. You earn 3X HawaiianMiles on Hawaiian Airlines purchases, dining, and gas stations, 2X on grocery stores, and 1X on everything else.

The card includes a free first checked bag on Hawaiian Airlines flights and a one-time 50% companion fare discount on a round-trip coach ticket between Hawaii and North America. The 70,000-mile welcome bonus can cover multiple inter-island flights or significantly offset a mainland-to-Hawaii round trip.

For anyone planning Hawaii trips, this card delivers strong value through the checked bag benefit, companion discount, and accelerated miles earning on everyday categories like dining and gas.

APR Breakdown

• Purchase APR: 21.49%-29.49% variable
• Balance Transfer APR: 21.49%-29.49% variable
• Cash Advance APR: 29.99% variable
• Penalty APR: Up to 29.99% variable

Note: APR varies by creditworthiness and Prime Rate. Pay in full monthly to maximize your rewards without interest charges.

Benefits Overview

Hawaiian Airlines Perks

• Free first checked bag on Hawaiian Airlines flights
• One-time 50% companion fare discount on round-trip coach between Hawaii and North America
• Priority boarding on Hawaiian Airlines flights

Miles Earning

• 3X HawaiianMiles on Hawaiian Airlines purchases
• 3X HawaiianMiles on dining and gas stations
• 2X HawaiianMiles on grocery store purchases
• 1X HawaiianMile per dollar on all other purchases

Card Protections

• World Elite Mastercard travel protections
• No foreign transaction fees
• Zero liability on unauthorized purchases

Rewards & Points

• 3X HawaiianMiles on Hawaiian Airlines, dining, and gas
• 2X HawaiianMiles on grocery stores
• 1X HawaiianMile per dollar on all other purchases

HawaiianMiles are worth approximately 1.2 cents each when redeemed for Hawaiian Airlines flights. Inter-island flights offer some of the best redemption values in the program.

Welcome Bonus

Earn 70,000 bonus HawaiianMiles after spending $2,000 within the first 90 days of account opening. At a valuation of 1.2 cents per mile, these 70,000 miles are worth approximately $840 in Hawaiian Airlines flights. This is enough for multiple inter-island round trips or a significant discount on a mainland-to-Hawaii flight.

Fees Summary

• Annual Fee: $99
• Foreign Transaction Fee: None
• Balance Transfer Fee: 5% (min $10)
• Cash Advance Fee: 5% (min $10)
• Late Payment Fee: Up to $41

Who This Card Is Best For

Ideal For

• Hawaii Travelers who fly to, from, or between the Hawaiian islands regularly
• Hawaiian Airlines Loyalists who prefer Hawaiian's service and want to earn miles on everyday spending
• Dining and Gas Spenders who want 3X earning in popular everyday categories

Not Good For

• Non-Hawaii Travelers who rarely fly to Hawaii and cannot use the airline-specific perks
• Domestic Mainland Flyers who primarily fly within the continental US on other carriers
• Flexible Points Seekers who want transferable points for multiple airline programs

Key Pros & Cons

Pros

• 70,000-mile welcome bonus worth approximately $840
• 3X earning on Hawaiian Airlines, dining, and gas
• 2X on grocery stores for strong everyday earning
• Free first checked bag on Hawaiian Airlines flights
• One-time 50% companion fare discount on Hawaii-North America routes
• Priority boarding on Hawaiian Airlines
• No foreign transaction fees
• World Elite Mastercard travel protections
• Miles are valuable for inter-island flights
• Good earning structure for Hawaii residents

Cons

• $99 annual fee
• Hawaiian Airlines route network is limited compared to major carriers
• Miles are locked into the HawaiianMiles program
• Companion fare discount is a one-time benefit, not annual
• No airport lounge access
• 1X base rate on non-category spending is average
• Limited redemption options outside of Hawaiian Airlines flights

Alternatives to Consider

How the Rewards Add Up

Example Annual Value

Annual value of approximately $571 in HawaiianMiles before accounting for checked bag savings and the companion fare discount. Exceptional value for Hawaii residents and frequent Hawaii visitors.

Should You Get This Card?

You Should Get It If...

• You fly Hawaiian Airlines at least twice per year
• You live in Hawaii and want a strong everyday earning card
• You travel between the Hawaiian islands frequently
• You want the companion fare discount for an upcoming trip
• You spend heavily on dining, gas, and groceries
• You want free checked bags on Hawaiian Airlines flights

You Should Skip It If...

• You rarely travel to Hawaii
• You prefer airlines with broader domestic networks
• You want flexible transferable points
• You need airport lounge access
• You want a companion benefit that renews annually

Apply Now

Apply for Hawaiian Airlines® World Elite Mastercard®

Information accurate as of May 2026. Terms and conditions apply. Please visit the issuer's website for the most current information.