Hawaiian Airlines® Business MasterCard®
A co-branded credit card with a domestic carrier that you might not have considered before is the Hawaiian Airlines Business MasterCard. This card is offered by the Bank of Hawaii and issued by Barclays, and it offers some unique opportunities to rack up HawaiianMiles. If you’re a small business owner and travel to or from Hawaii often, this could be a great card for you.
One of the biggest benefits of the Hawaiian Airlines Business card is that you earn the sign-up bonus after your first purchase. That’s right, you don’t need to meet a minimum spend to earn the 35,000-mile bonus; you only need to make a single purchase of any size. However, if you have a good deal of business expenses, the Hawaiian credit card also offers up to 40,000 bonus miles every year for meeting certain spending thresholds.
While this card has some attractive bonus opportunities, it is really intended for travelers who like to fly Hawaiian Airlines or its partners. But Hawaiian is a smaller airline with fewer partners than its mainland rivals, and each partner has a separate award chart with certain limited redemption choices. While you can redeem HawaiianMiles with other carriers, you don’t have a lot of options, so the best values are generally found when redeeming for flights on Hawaiian Airlines.
Bonuses and Benefits
Knowing what benefits come with a credit card can help you decide if it’s a good fit for you. Here we cover the bonuses and perks that the Hawaiian Airlines® Business MasterCard® offers and the value of the Barclays HawaiianMiles® miles you earn.
A great benefit of the Hawaiian Airlines Business card is the lucrative bonuses that are available. After you make your first purchase and pay the card’s annual fee, you’ll earn 35,000 miles. Next, if you spend at least $50,000 in a year, you’ll get a bonus of 20,000 miles. And if you spend over $100,000 on this card, you’ll earn an additional 20,000 miles. You also get miles for every dollar you spend, so you’d earn a total of 175,000 miles if you can spend $100,000 in the first year. That’s like earning 1.75 miles for every dollar spent on every purchase, which isn’t a bad deal.
As you’ll read a little later, this card doesn’t help earn status or come with an annual companion certificate, so to maximize its value, you’ll need to spend a lot and earn those bonuses. That being said, these bonuses are much higher than what most co-branded airline cards award to their accountholders.
What You Get
- Earn 35,000 miles after your first purchase
- Get an additional 20,000 miles every year you spend $50,000
- Spend $100,000 in a year and get another 20,000 miles, for a total bonus of 40,000 miles
- One-time 50% companion discount on a roundtrip economy flight between North America and Hawaii
- 2 miles per dollar spent with Hawaiian Airlines
To keep your HawaiianMiles account active, you need to either earn or redeem miles at least once every 18 months. This could be earning miles from flying, redeeming miles for an award ticket or using your Hawaiian Airlines Business credit card. If you use your Hawaiian credit card just once a year, your miles will never expire.
What is the value of the HawaiianMiles® Miles?
In the table below, you can see how to best use your HawaiianMiles. Hawaiian Airlines award chart has multiple tiers for economy and business class bookings, so there’s real value to be had. There are no blackout dates, so if you’re in a pinch you can redeem mores miles to get on a flight if needed.
If you prefer business class, these redemptions are where you can really stretch your miles. Domestic redemptions can earn you 1.82 Cents Per Mile (CPM), while international business class gets a whopping 5.04 CPM! That’s a solid return.
What is CPM and How Is It Calculated?
Cents Per Mile (CPM) is a way to measure the value of miles. It tells you how many cents you get for each mile you redeem by dividing the cash price of the airline ticket (minus taxes and fees charged for an award ticket) by the number of miles the award flight costs. This is a somewhat subjective calculation because the price of the flight in both cash and miles fluctuates by season and availability.
How we calculate CPM:
The Best Ways to Redeem Hawaiian Miles
You can get a lot of value out of HawaiianMiles on Hawaiian Airlines flights. Their redemption system and award charts are straightforward, yet they offer many opportunities to redeem miles on a variety of routes. For example, a great way to redeem miles is for inter-island flights (as low as 7,500 miles each way) or flying to North America at a cost of only 20,000 miles (at the SuperSaver level). Plus, as a cardholder, you’re eligible for additional discounts on SuperSaver tickets.
Hawaiian’s airline partners each have a different award chart that’s distance-based, revenue-based or region-based. Depending on the cash price of the tickets you’re interested in, there could be some value here, but Hawaiian’s partner award charts are generally expensive compared to what other carriers charge for similar redemptions.
Also, take note that Hawaiian Airline’s relationship with Virgin America is ending later this year. The last date to book an award ticket on Virgin with HawaiianMiles is September 30, 2017 for travel to be completed by December 31, 2017.
New York–HonoluluEconomy classMiles price40,000miles+$10.0 feeDollars price$762
Los Angeles–HiloEconomy classMiles price40,000miles+$20.0 feeDollars price$731
Los Angeles–KonaEconomy classMiles price40,000miles+$10.0 feeDollars price$703
Sydney–MauiEconomy classMiles price80,000miles+$70.0 feeDollars price$877
Auckland–HonoluluEconomy classMiles price80,000miles+$27.0 feeDollars price$870
Havana–Fort LauderdaleEconomy classMiles price80,000miles+$51.0 feeDollars price$942
New York–MauiBusiness classMiles price46,400miles+$10.0 feeDollars price$5,306
Seattle–KonaBusiness classMiles price80,000miles+$20.0 feeDollars price$1,710
Las Vegas–MauiBusiness classMiles price80,000miles+$20.0 feeDollars price$1,895
Papeete–MauiBusiness classMiles price95,000miles+$50.0 feeDollars price$2,260
Honolulu–OsakaBusiness classMiles price105,000miles+$45.0 feeDollars price$5,398
San Diego–AucklandBusiness classMiles price120,000miles+$127.0 feeDollars price$3,627
Other ways you can redeem miles
Hotel Stays40 partners40 part.
You can redeem HawaiianMiles toward certain hotels when booked through Hawaiian’s website.
Car Rental7 partners7 part.
While you can redeem miles for car rentals, you’re limited in the partners you can rent with, and you have to redeem an even number of miles for a gift certificate good with a specific rental agency.
Everyday Earnings with Hawaiian Airlines® Business MasterCard®
With the Hawaiian Airlines Business MasterCard, you’ll earn one mile per dollar spent on every purchase with no limits to the number of miles you can earn. Plus, you’ll earn an extra mile for purchases made directly with Hawaiian Airlines, with the exception of duty free purchases made in flight. Plus, if you shop with participating partners through Hawaiian’s website, you can earn up to 10 miles per dollar on eligible purchases. No matter how you use your card, there’s no limit to the number of miles you can earn.
- Brand earn
- All Other Purchases
The only bonus category with this business credit card is purchases made directly with Hawaiian Airlines. That means any airfare, extras or fees you pay with this card will earn two Hawaiian miles.
After you open your account, you’ll receive a one-time 50% off companion pass to be used on a round-trip coach ticket between Hawaii and the contenintal U.S.
Cardholders receive the exclusive benefit of being able to share their miles amongst family members.
No Foreign Transaction Fees
Whether you use your card in the U.S. or abroad, you won’t pay any foreign transaction fees.
Earn Elite Status Fast
Unlike some business credit cards, the Hawaiian credit card does not help you earn elite status. You can earn extra bonus miles for putting at least $50,000 worth of spend on the card, but these are award miles and not elite qualifying miles.
Fees: the cost of Having Hawaiian Airlines® Business MasterCard®
The annual fee for the Hawaiian business card is $89, and that fee is not waived the first year. Assuming HawaiianMiles are worth 1.59 cents each, you would need to make $5,598 in purchases each year to offset the cost of the annual fee if you earn just one mile per dollar. That would be roughly $467 each month. Alternatively, if you spend about $2,000 on the card each month, you’ll have paid off the card in about three months.
Another way to consider the annual fee is in the context of the sign-up bonus. Again, if we assume HawaiianMiles are worth 1.59 cents each, the sign-up bonus is worth $556.50. That means the bonus alone is worth over six years’ of annual fees. This is a great value and makes this a great long-term card to keep in your wallet.
- Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater
- Annual Fee
- Foreign Transaction Fee
- Late Payment Fee
For Account balances less than $250: $19 For Account balances equal to or greater than $250: $39
See What It Takes to Cover an Annual Fee:
We strongly recommend to spend not less than $1,866 per months to cover the annual fee in three months.
We’ve broken out our estimates for the first- and second-year net earnings you’ll get with the Hawaiian Airlines Business MasterCard. Is the card worth getting, and should you keep it after you get the sign-up bonus? Let’s find out.
These estimates are based on an annual monthly spend of $2,000
Top 5 Benefits of the Hawaiian Airlines Business MasterCard
The Hawaiian Airlines Business card has some great benefits, including the sign-up and annual spend bonuses, as well as the 50 percent companion discount. Let’s examine the Top five benefits of this card.
- Big Sign-Up Bonus: This card comes with a great sign-up bonus of 35,000 miles after the first purchase and payment of the annual fee. That’s worth over $550 in travel.
- Annual Spend Bonuses: If you spend $50,000 or more on the card in a year, you’ll earn a bonus of 20,000 miles. Even better, if you spend $100,000 or more, that bonus grows to 40,000 miles. That’s enough for a SuperSaver round-trip ticket from North American to Hawaii.
- Share Your Miles: Unlike most airline loyalty programs, Hawaiian Airlines allows cardholders to receive miles from family and friends at no cost.
- Free Companion Discount: You’re entitled to a one-time 50% companion discount on a round-trip coach ticket between Hawaii and North America, so a family or friend can fly with you on the cheap.
- Flexible Redemptions: There’s no need to worry about blackout dates or limited award space when traveling on Hawaiian Airlines.
The Hawaiian Airlines Business credit card is definitely a niche product, but if you visit Hawaii often, you should consider getting this card. The earnings rate you get is comparable to other co-branded airline cards, so this is an easy way to rack up HawaiianMiles. Plus, if your business has enough expenses to meet the bonus thresholds, you can earn a free ticket each year. The saver rates for flights on Hawaiian Airlines are very comparable to other programs, and you can really stretch your miles when redeemed for inter-island flights.
If Hawaii is your annual vacation destination, this card is worth the annual $89 fee, but with a limited redemption options on only a handful of airline partners, your best bet is to use Hawaiian miles on their own metal. If these miles don’t work with your travel plans, this card may not be the right one for your business.
Need more info? Check out our frequently asked questions. If you have other questions, please click on “Ask Now” below.
- If you don’t have enough miles to redeem for a ticket on Hawaiian Airlines, you can redeem some of your miles and pay cash for the remaining balance of the ticket. Look on Hawaiian’s website for more details, but know that there are predetermined miles plus cash levels so you aren’t able to choose the exact amount of points or cash you can put toward a ticket.
- Unlike the personal version of the Hawaiian Airlines credit card, the business version does not cover the cost of checked baggage. But while this card doesn’t offer this money-saving benefit, you can earn more miles through spending which can potentially be worth much more than savings on luggage.
- In our comparison below, we weigh the pros and cons of the personal and business versions of the HawaiianMiles credit cards. Both earn miles at the same rate, and no matter how you earn your HawaiianMiles, they can be redeemed the same way. But if you’re a resident of Hawaii or fly there often, you do have the ability to get both credit cards.
One unique benefit of having a Hawaiian Airlines credit card is that you can get discounted award prices. In short, when searching for award availability, the cost of interisland and North American round-trip tickets will be 2,500 to 5,000 miles less than HawaiianMiles members who don’t have a co-branded card.
If you have a small business where employees need to make purchases, keeping track of those purchases is a big deal. If you can give them a credit card to cover those expenses, even better. The Hawaiian business card offers additional employee cards at no cost, so all your employee’s business expenses will appear on one bill.
Even though they’ll earn miles on every purchase, only one HawaiianMiles account gets the miles: yours. So while the employees aren’t paying for their business expenses out of their own pockets, they also aren’t getting any direct benefit from the card. You as the business owner keep all the miles (but you’re also paying the bill each month).
Compare Hawaiian Airlines Credit Cards
Other Hawaiian Airlines Credit Cards
|Hawaiian Airlines® World Elite MasterCard®|
|Sign-up bonus||35,000 miles||35,000 miles|
|APR On Purchases||17.24% to 26.24% Variable±||16.99% to 25.99% Variable±|
|Second Year Value||$461||$382|
As you can see, the cards do have their differences as well. For starters, while the personal card has the same sign-up bonus, you have to spend $1,000 on the card within 90 days to earn it. Also, the annual spending bonuses are much different. You only have to spend $10,000 on the personal card to get a 5,000-mile bonus. But on the business card, you can earn up to 40,000 bonus miles if you spend $100,000 or more in a year.
The personal card also has some extra perks. The primary card holder (but no companions) receives one free bag. Also, on each card member anniversary, the account holder receives a voucher good for $100 off a companion fare between Hawaii and North America. This perk alone covers the personal card’s annual fee.
Depending on the amount of business expenses you put on your card, the business credit card may be the better option because of the bonus miles you can earn. But, the personal card does have nice benefits as well.
Compare the Hawaiian Airlines Business MasterCard to Other Cards
The Hawaiian Airlines Business credit card shares similarities to other co-branded airline business cards in that they earn miles with a dedicated airline loyalty program. You also earn double miles on purchases made with the co-branded airline. Additionally, these cards earn bonuses if you can spend a good deal of money on the card each year.
The Hawaiian Airlines, Gold Delta SkyMiles and Alaska business cards all have similar sign-up bonuses and annual fees. However, all three mileage programs are very different with Delta being the sole carrier that’s part of an airline alliance (SkyTeam).
The Delta Reserve, however, is a premium card that has a higher $450 annual fee. The advantage with this card is the ability to earn elite qualifying miles (known as MQMs on Delta), as well as SkyClub access when you’re flying with Delta.
Unlike the Hawaiian Airlines card, the other cards in this list all offer free first checked bags for the primary cardholder and a limited number of companions.
Additionally, the Alaskan business card and Delta Reserve business card offer companion certificates each year you renew your card, while the Hawaiian business card only offers a one-time 50 percent companion discount that is only good for a roundtrip from Hawaii to North America.
Looking to travel to Hawaii? Delta SkyMiles can be used on Hawaiian Airlines, but only on inter-island flights. While Alaskan Airlines doesn’t partner at all with Hawaiian Airlines, they do fly their own metal to the islands, as does their partner, American Airlines.
As you can see, these cards are very different. You need to weigh your flying habits as well as how you plan to use your miles to make the best decision for your business.
Whenever you apply for a credit card make sure you read the terms and conditions of the card and the rewards program to find out about minimum spend requirements and any restrictions to ensure you can successfully obtain the card and earn the rewards it offers.
Card Terms and Conditions
While it's easy to focus on the rewards offered by the Hawaiian Airlines Business MasterCard, it's worth taking a closer look at the terms and conditions. There's a lot to consider as you think about how you're going to use the card. Will you carry a balance, get a cash advance or maybe make a big purchase? Below is a rundown of the various interest rates, purchase protections, security features and mobile banking options that come with this MasterCard card.
- Intro APR:
- See Terms and Conditions
- Intro APR for balance transfers:
- See Terms and Conditions
- Ongoing APR:
- 16.99% to 25.99% Variable±
- Minimum Grace Period:
- 20 days
Cash Advance Features
- Ongoing APR:
- 26.24% Variable±
- Cash Advance Fee:
- Either $10 or 3% of the amount of each cash advance, whichever is greater
Security and Protections
This card offers chip protection. The electronic chip stores your account information securely using encryption technology, making it much more difficult for your information to be stolen or a duplicate card made. You’ll still sign for your purchases, but it also has PIN capability for greater acceptance around the world.
- Account alerts:
- Set up email alerts to be notified of large transactions to keep an eye on your account activity or be notified when your bill is due.
Additional Cardholder Benefits
This card is a MasterCard BusinessCard. As a basic business card, it does not offer the World Elite MasterCard level of travel benefits found on some other cards. This is definitely a consideration when using your card for various travel purchases as fewer benefits are available compared to what some competitors offer.
Master Card Travel Benefits
- Master Assist Travel Services:
- Get trip planning assistance, including visa requirements, customs regulations, interpreting services and more. Also receive referrals for medical treatments and legal services, as well as cash advances and lost ticket, passport and luggage assistance.
- Roadside Assistance:
- Contact MasterCard to receive roadside assistance anywhere in the U.S.
- Auto Rental Collision Damage Waiver:
- Free secondary coverage for rentals of 31 days or less.
- Emergency Card Replacement:
- Get a replacement card delivered in one day in the U.S. and within two business days to most international locations.