Editor’s note: This is a recurring post with regularly updated card details.
Hawaiian Airlines® World Elite Business Mastercard® is designed for business owners who travel primarily with Hawaiian Airlines and those who want to earn rewards on gas, dining, and office supplies. You can redeem your rewards for free flights and share miles with family and friends for free. It comes with a low annual fee of $99 and $0 foreign transaction fees.
If you wish to compare one card over another, select a maximum of three cards on this page and click Add to compare to view the details in a side-by-side comparison.
Hawaiian Airlines® World Elite Business Mastercard®
BEST FOR:
Hawaiian Airlines loyalists
Intro APR
N/A
Regular APR
21.24% to 30.24% variable
Annual Fee
$99
Credit Needed
Good to Excellent
- Earn 50,000 bonus miles after spending $2,000 on purchases within the first 90 days, and earn an additional 10,000 miles after a purchase is made on an employee card in the first 90 days
- Earn a one-time 50% discount on one companion pass
- Earn 20,000 bonus miles with $50,000-$99,999 in annual purchases, OR 40,000 bonus miles with $100,000 or more in annual purchases
- Earn 3x miles on Hawaiian Airlines purchases
Pros
- Doesn’t charge foreign transaction fees
- Low spending requirement for sign-up bonus
- Can share miles with family and friends
Cons
- Has no 0% intro annual percentage rate (APR)
- No free checked bag benefit
- Companion discount is only good for flights between Hawaii and North America
- HawaiianMiles Share Miles: Allows cardholders to share earned miles with family and friends faster. You can send and receive HawaiianMiles transferred from friends and family up to a maximum of 10 times per calendar year.
- Complimentary employee cards: You can create employee cards that can help you earn rewards faster and control business spending at no cost.
- Companion ticket: Receive a one-time 50% off companion discount for round-trip coach travel between Hawaii and North America on Hawaiian Airlines
Intro APR
N/A
Regular APR
21.24% to 30.24% variable
Annual Fee
$99
Credit Needed
Good to Excellent
- Earn 50,000 bonus miles after spending $2,000 on purchases within the first 90 days, and earn an additional 10,000 miles after a purchase is made on an employee card in the first 90 days
- Earn a one-time 50% discount on one companion pass
- Earn 20,000 bonus miles with $50,000-$99,999 in annual purchases, OR 40,000 bonus miles with $100,000 or more in annual purchases
- Earn 3x miles on Hawaiian Airlines purchases
Pros
- Doesn’t charge foreign transaction fees
- Low spending requirement for sign-up bonus
- Can share miles with family and friends
Cons
- Has no 0% intro annual percentage rate (APR)
- No free checked bag benefit
- Companion discount is only good for flights between Hawaii and North America
- HawaiianMiles Share Miles: Allows cardholders to share earned miles with family and friends faster. You can send and receive HawaiianMiles transferred from friends and family up to a maximum of 10 times per calendar year.
- Complimentary employee cards: You can create employee cards that can help you earn rewards faster and control business spending at no cost.
- Companion ticket: Receive a one-time 50% off companion discount for round-trip coach travel between Hawaii and North America on Hawaiian Airlines
When grading small business travel credit cards like Hawaiian Airlines® World Elite Business Mastercard®, we first consider the ongoing rewards and introductory rewards. We also rate the travel perks that come with the card, as well as its annual fee, other fees, and introductory and ongoing APRs.
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Ongoing Rewards | 20 | 25 |
Introductory Rewards | 25 | 25 |
Features | 8 | 10 |
Annual Fee | 7 | 10 |
Other Fees | 10 | 10 |
Introductory APR | 0 | 10 |
Ongoing APR | 8 | 10 |
Total Score | 78 | 100 |
Who the Hawaiian Airlines® World Elite Business Mastercard® Is Best For
- Business owners who fly frequently with Hawaiian Airlines: You can redeem your miles for free airline tickets at Hawaiian Airlines and enjoy exclusive travel perks.
- Business owners who have significant expenses on gas, dining, and office supplies: It also offers premium rewards on purchases under these spending categories.
If this doesn’t fit your business needs, see our recommended alternatives below. You may also check our guides to the best small business credit cards and top Barclays business credit cards for other options.
Hawaiian Airlines® World Elite Business Mastercard® Rewards
- Up to 70,000 bonus miles as a welcome offer:
- 60,000 bonus HawaiianMiles after spending $2,000 on purchases in the first 90 days
- 10,000 bonus HawaiianMiles after a qualifying purchase is made on an employee card
- 3x miles per dollar spent on eligible purchases at Hawaiian Airlines
- 2x miles per dollar spent on gas, dining, and office supplies
- 1x miles per dollar on all other purchases
- Up to 40,000 anniversary bonus miles every year:
- 20,000 bonus miles if you spend $50,000 to $99,999 in annual purchases, or
- 40,000 bonus miles if your annual expenses reach $100,000 or more
Hawaiian Airlines® World Elite Business Mastercard® Rewards Calculator
Know how much you can earn with Hawaiian Airlines® World Elite Business Mastercard® using our calculator below. Simply input your expected monthly expenses based on the given expense categories, and let our calculator compute your potential annual rewards for you.
Note that the value of each Hawaiian mile may vary depending on how they are redeemed but each mile typically is worth around 1.2 cents. We will use this value for this calculator.
How To Redeem Hawaiian Airlines® World Elite Business Mastercard® Rewards
You can redeem your miles for any seat in the Main Cabin or use them to upgrade to First or Business Class through the Hawaiian Airlines website. You’ll need as low as 7,500 miles to redeem for a one-way flight within Hawaii, or 20,000 miles between Hawaii and the West Coast. The good news is that your miles don’t expire, and you can redeem them anytime with no blackout dates. For more information, call (877) 426-4537 or visit HawaiianAirlines.com.
Hawaiian Airlines® World Elite Business Mastercard® Features
Exclusive Perks
- Companion travel discount: Receive a one-time 50% discount for your companion for a round-trip coach travel between Hawaii and North America.
- Bonus miles at participating partners: Shop at select HawaiianMiles Marketplace partners and earn bonus miles for every dollar spent. The number of bonus miles varies depending on the partner.
- HawaiianMiles Share Miles: Share earned miles with family and friends—send and receive HawaiianMiles transferred from friends and family up to 10 times per calendar year.
Other Benefits
- Expense tracking: Receive a consolidated statement regularly so you can easily monitor all expenses.
- Zero liability protection: Get protected in case your card is used for any fraudulent activity and you won’t be held liable for unauthorized transactions. To ensure that fraudulent activity is covered, you are obligated to report any loss or theft to their provider promptly.
- Travel assistance services: Access selected travel assistance services, which typically include detailed information on immunizations, currency exchange rates, and travel requirements. Refer to your Barclays guide to benefits for more specific coverage information.
Hawaiian Airlines® World Elite Business Mastercard® Fees
APR
- Introductory: None
- Ongoing and balance transfers: 21.24% to 29.99% variable—adjusts with the prime rate (minimum finance charge is $1)
- Cash advance: 29.99% variable—adjusts with the prime rate
- Variable rate information: Determined monthly after adding the prime rate and:
- 12.74% or 21.74% for purchases and balance transfers
- 21.99% for cash advances and convenience checks
Fees
- Annual: $99
- Balance transfer: $5 or 3% of the amount of each transfer, whichever is greater
- Cash advance: $10 or 3% of the amount of each advance, whichever is greater
- Foreign transaction: None
- Late payment:
- $19 for account balances less than $250
- $39 for account balances greater than or equal to $250
- Returned payment: $39
- Over-the-credit-limit: $0
- Electronic payment: $15
- Administrative:
- $3 for statement copy
- $5 for other documents
- $15 per hour for research
Your due date is at least 20 days after the close of each billing cycle.
How To Make Payments
- Barclays App: Set up credit card payments through the Barclays App—this is available for iOS and Android devices.
- Automatic payment: Set up repeat payments—just input the payment date, amount, and account for each automatic payment.
- Call: Contact (877) 523-0478 and follow the prompts to get a successful payment.
- Mail: Send your payments through either of the following addresses:
Card Services
PO Box 60517
City of Industry, CA 91716-0517
Card Services
PO Box 13337
Philadelphia, PA 19101-3337
- Overnight credit card payments: Use specific labels and envelopes through UPS or mailboxes (FedEx or United States mail), then send them to either of the following addresses:
Remitco
Card Services
Lock Box 60517
2525 Corporate Pl., Ste. 250
Monterey Park, CA 91754
Card Services
400 White Clay Center Dr.
Newark, DE 19711
Hawaiian Airlines® World Elite Business Mastercard® Alternatives
U.S. Bank Business Altitude™ Connect World Elite Mastercard
U.S. Bank Business Altitude™ Connect World Elite Mastercard®
Intro APR
Regular APR
20.24%-28.24% (Variable)
Annual Fee
$0 Intro annual fee for the first year, $95 per year thereafter
Credit Needed
Good to Excellent
- Introducing the U.S. Bank Business Altitude Connect™ World Elite Mastercard®, the business travel card that's 5X more rewarding.
- Limited Time Offer: Earn 60,000 bonus points, worth $600 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- Earn 4X points on travel, gas and EV charging stations on the first $150,000 in combined annual spend.
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Rewards never expire.
- Earn a $25 statement credit on every three consecutive monthly taxi or rideshare trips.
- No foreign transaction fees.
- $0 intro annual fee for the first year, $95 per year thereafter.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,300 VIP lounges worldwide, plus four complimentary visits per membership year.
- Divide large purchases into fixed monthly payments with U.S. Bank ExtendPay® Plan.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Pros
- High sign-up bonus
- Priority Pass Digital annual membership with access to more than 1,300 VIP lounges worldwide and four complimentary visits per membership year
- ExtendPay® Plan feature lets you divide your large purchase into fixed monthly installments without interest—only a small monthly fee
Cons
- No 0% APR offers
- Premium rewards on travel and fuel have a maximum cap
- Charges annual fee
- Free employee cards
- ExtendPay® Plan
- Transfer points between your business and personal Altitude cards
- No foreign transaction fee
Intro APR
Regular APR
20.24%-28.24% (Variable)
Annual Fee
$0 Intro annual fee for the first year, $95 per year thereafter
Credit Needed
Good to Excellent
- Introducing the U.S. Bank Business Altitude Connect™ World Elite Mastercard®, the business travel card that's 5X more rewarding.
- Limited Time Offer: Earn 60,000 bonus points, worth $600 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- Earn 4X points on travel, gas and EV charging stations on the first $150,000 in combined annual spend.
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Rewards never expire.
- Earn a $25 statement credit on every three consecutive monthly taxi or rideshare trips.
- No foreign transaction fees.
- $0 intro annual fee for the first year, $95 per year thereafter.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,300 VIP lounges worldwide, plus four complimentary visits per membership year.
- Divide large purchases into fixed monthly payments with U.S. Bank ExtendPay® Plan.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Pros
- High sign-up bonus
- Priority Pass Digital annual membership with access to more than 1,300 VIP lounges worldwide and four complimentary visits per membership year
- ExtendPay® Plan feature lets you divide your large purchase into fixed monthly installments without interest—only a small monthly fee
Cons
- No 0% APR offers
- Premium rewards on travel and fuel have a maximum cap
- Charges annual fee
- Free employee cards
- ExtendPay® Plan
- Transfer points between your business and personal Altitude cards
- No foreign transaction fee
When To Consider U.S. Bank Business Altitude™ Connect World Elite Mastercard
- You want to access airport lounges: The U.S. Bank Business Altitude™ Connect World Elite Mastercard comes with Priority PassTM Digital annual membership, which provides access to over 1,300 VIP airport lounges worldwide with four complimentary visits per year.
- You have substantial travel and fuel expenses: You will earn 4x points on airfare, hotels, gas, and electric vehicle (EV) charging expenses on the first $150,000 in combined annual spend.
Other Benefits
- Has a low annual fee of $95, which is waived for the first year
- Has no foreign transaction fees
- Lets you earn 60,000 bonus points (equivalent to $600) when you meet the spending requirements
- Features ExtendPay® Plan, which lets you divide your eligible balance into equal monthly installments without interest (only a small monthly fee)
It is for these reasons that the card is named one of the leading business fuel cards and recommended business credit cards with airport lounge access. Check out the top U.S. Bank business credit cards guide to find other options from this provider.
Bank of America Business Advantage Travel Rewards World Mastercard®
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
BEST FOR:
Earning top rewards on travel purchases booked through Bank of America Travel Center
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No limit to the amount of points you can earn and points don't expire as long as your account remains open.
- No annual fee and no international transaction fees.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- No annual fee: By not having to pay an annual fee, you can reduce your overall credit card cost while earning unlimited rewards on your expenses.
- No blackout dates on travel: You can redeem your points for travel or travel credits through the Bank of America® Travel Center anytime, with no blackout dates.
- 3x points on travel: You can earn 3x points for every dollar spent when you book your travel (car, hotel, or airline) through the Bank of America® Travel Center.
- Welcome bonus points: If you can spend $3,000 in net purchases within 90 days of opening an account, you will earn 30,000 bonus points.
Cons
- Low ongoing rewards on nontravel: While you can earn high rewards points on travel, you can only earn 1.5x points on all other purchases.
- Short 0% APR introductory period: This is a disadvantage if you need a longer 0% APR period.
- No 0% APR on balance transfers: The introductory APR only applies to purchases
- Bank of America doesn’t disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No limit to the amount of points you can earn and points don't expire as long as your account remains open.
- No annual fee and no international transaction fees.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- No annual fee: By not having to pay an annual fee, you can reduce your overall credit card cost while earning unlimited rewards on your expenses.
- No blackout dates on travel: You can redeem your points for travel or travel credits through the Bank of America® Travel Center anytime, with no blackout dates.
- 3x points on travel: You can earn 3x points for every dollar spent when you book your travel (car, hotel, or airline) through the Bank of America® Travel Center.
- Welcome bonus points: If you can spend $3,000 in net purchases within 90 days of opening an account, you will earn 30,000 bonus points.
Cons
- Low ongoing rewards on nontravel: While you can earn high rewards points on travel, you can only earn 1.5x points on all other purchases.
- Short 0% APR introductory period: This is a disadvantage if you need a longer 0% APR period.
- No 0% APR on balance transfers: The introductory APR only applies to purchases
- Bank of America doesn’t disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.
When To Consider Bank of America Business Advantage Travel Rewards World Mastercard®
- You need a 0% APR on purchases: The Bank of America Business Advantage Travel Rewards World Mastercard® is a great option if you plan to make a large purchase because it comes with a 0% APR period on purchases for the first nine billing cycles, then the regular APR will apply after that.
- You don’t want to pay an annual fee: Although the Hawaiian Airlines® World Elite Business Mastercard® has a low annual fee, you can save more with Bank of America Business Advantage Travel Rewards World Mastercard® because it charges $0 annual fee.
Other Benefits
- Provides up to 3x points per dollar on your purchases, depending on the expense categories
- Offers 30,000 bonus points when you meet the spending requirements
- Lets earn unlimited 1.5 points for every $1 spent, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- Charges no foreign transaction fees
Its straightforward rewards program and overall simplicity are the reasons why the card is our top business credit card choice with no foreign transaction fees. Read our guide to the best Bank of America business credit cards for other options.
Capital One® Spark® Miles for Business
Capital One® Spark® Miles for Business
BEST FOR:
Unlimited 2x miles with every swipe
Intro APR
N/A
Regular APR
26.24% variable
Annual Fee
$0 intro for first year; $95 after that
Credit Needed
Excellent
- Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months of account opening.
- Unlimited 2x miles on every purchase, with no blackouts or seat restrictions and no minimum miles to redeem
- 5x miles on hotels and rental cars booked through Capital One Travel
- Issue employee cards for free
Pros
- With sign-up bonus
- Offers fixed-rate miles rewards on all purchases
- Does not charge balance transfer and foreign transaction fees
Cons
- Does not have a 0% introductory period on purchases and balance transfers
- Charges an annual fee after the first year
- Airport security screening reimbursement: Either a $100 statement credit for Global Entry or an $85 statement credit for TSA PreCheck® once every four years.
- Payment flexibility: Capital One lets you choose your monthly due date, enabling your business to control when to pay.
- Capital One Lounge: Cardholders get two free visits per year to the Capital One Lounge, which offers luxurious amenities and fresh, local food and beverage options.
Intro APR
N/A
Regular APR
26.24% variable
Annual Fee
$0 intro for first year; $95 after that
Credit Needed
Excellent
- Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months of account opening.
- Unlimited 2x miles on every purchase, with no blackouts or seat restrictions and no minimum miles to redeem
- 5x miles on hotels and rental cars booked through Capital One Travel
- Issue employee cards for free
Pros
- With sign-up bonus
- Offers fixed-rate miles rewards on all purchases
- Does not charge balance transfer and foreign transaction fees
Cons
- Does not have a 0% introductory period on purchases and balance transfers
- Charges an annual fee after the first year
- Airport security screening reimbursement: Either a $100 statement credit for Global Entry or an $85 statement credit for TSA PreCheck® once every four years.
- Payment flexibility: Capital One lets you choose your monthly due date, enabling your business to control when to pay.
- Capital One Lounge: Cardholders get two free visits per year to the Capital One Lounge, which offers luxurious amenities and fresh, local food and beverage options.
When To Consider Capital One® Spark® Miles for Business
- You want to earn miles at non-specific airlines: Capital One® Spark® Miles for Business offers up to 5x miles on your purchases that can be redeemed for flights, hotels, vacation packages, and more on various airlines—you can even transfer your miles to Capital One’s 15-plus partners.
- You have an excellent credit score: You need an excellent credit score to qualify for this card.
Other Benefits
- Charges a low annual fee of $95, which is waived for the first year
- Offers two free visits to Capital One Lounges per year
- Provides up to $100 credit for Global Entry or TSA PreCheck®
- Has no foreign transaction fees
It is also our overall best business credit card for miles because of its easy reward program. Visit our top-rated Capital One business credit cards for more options from this issuer.
Frequently Asked Questions (FAQs)
No, the miles you earn will not expire as long as your account remains open and in good standing. “Good standing” means your account is not in default. Check your card agreement for more information.
Yes, you may still apply for the Hawaiian Airlines® World Elite Business Mastercard® even if you already have an active HawaiianMiles membership. Just indicate your HawaiianMiles Account number on your application, and that membership number will be added to your credit card account automatically when you’re approved. You will get a new HawaiianMiles Account number if the number indicated in the application does not match your information or is no longer existing.
Yes, you may request additional employee cards under your credit card account at no additional cost. You will earn miles from their purchases—plus, you can set limits, control spending, and monitor the expenses of your employees.
Bottom Line
Hawaiian Airlines® World Elite Business Mastercard® is suitable for business owners who regularly fly with Hawaiian Airlines, want to share miles with family and friends, and want premium rewards on gas, dining, and office supplies. You can use your miles for free flights on Hawaiian Airlines and its partner airlines. Note, however, that it doesn’t come with 0% APR and your redemption options are limited.
