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Hawaiian Airlines® World Elite Business Mastercard®, issued by Barclays, 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.
Hawaiian Airlines® World Elite Business Mastercard®
BEST FOR:
Hawaiian Airlines loyalists
- Earn 50,000 bonus miles after spending $4,000 on purchases within 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 welcome offer
- 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
- Earn 50,000 bonus miles after spending $4,000 on purchases within 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 welcome offer
- 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.
Hawaiian Airlines® World Elite Business Mastercard® Rewards
- 50,000 bonus miles as a welcome offer when you spend $4,000 or more on purchases in the first 90 days
- 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
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 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.
- 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 Visa®
U.S. Bank Business Altitude® Connect Visa Signature® Card
- 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 (*excludes discount stores/supercenters and wholesale clubs).
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
- $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.
- Terms and conditions apply.
Pros
- Large welcome offer
- 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
- 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 (*excludes discount stores/supercenters and wholesale clubs).
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
- $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.
- Terms and conditions apply.
Pros
- Large welcome offer
- 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
This card comes with a Priority PassTM Digital annual membership, providing access to over 1,300 VIP airport lounges worldwide with four complimentary visits annually. It also offers rich rewards on your purchases and 60,000 bonus points (equivalent to $600) when you meet the spending requirements. Plus, it features the ExtendPay® Plan, which lets you divide your eligible balance into equal monthly installments without interest (only a small monthly fee).
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
9 billing cycles
- 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
- Charges $0 annual and foreign transaction fees
- Offers fixed-rate cash back rewards
- Has no blackout dates
Cons
- Does not offer a 0% introductory period on balance transfers
- Requires excellent credit to qualify
- 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.
9 billing cycles
- 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
- Charges $0 annual and foreign transaction fees
- Offers fixed-rate cash back rewards
- Has no blackout dates
Cons
- Does not offer a 0% introductory period on balance transfers
- Requires excellent credit to qualify
- 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.
It is an excellent 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, and the regular APR will apply after that. It charges $0 annual and foreign transaction fees and lets you earn up to 3x points on purchases.
What’s more, you will receive 75% more rewards if you have a business checking account with Bank of America and qualify for Preferred Rewards for Banking. Read our Bank of America business checking review for more information.
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BEST FOR:
Unlimited 2x miles with every swipe
- Earn a one-time bonus of 50,000 miles - equal to $500 in travel - once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Receive up to a $120 credit for Global Entry or TSA PreCheck(R)
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
Pros
- Provides a welcome offer
- Offers fixed-rate miles rewards on all purchases
- Does not charge foreign transaction fees
Cons
- Does not have a 0% introductory period on purchases
- Charges an annual fee after the first year
- Balance transfers are not available
- 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.
- Fraud Coverage: $0 Fraud Liability for unauthorized charges
- Quarterly and year-end summary: Get a custom, itemized report of your spending to help simplify planning, budgeting and tax time
- Earn a one-time bonus of 50,000 miles - equal to $500 in travel - once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Receive up to a $120 credit for Global Entry or TSA PreCheck(R)
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
Pros
- Provides a welcome offer
- Offers fixed-rate miles rewards on all purchases
- Does not charge foreign transaction fees
Cons
- Does not have a 0% introductory period on purchases
- Charges an annual fee after the first year
- Balance transfers are not available
- 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.
- Fraud Coverage: $0 Fraud Liability for unauthorized charges
- Quarterly and year-end summary: Get a custom, itemized report of your spending to help simplify planning, budgeting and tax time
You can earn 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. It charges a $0 annual fee for the first year; then, you’ll only pay $95 every year thereafter.
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.
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