Good returns, uninspiring benefits: Hawaiian Airlines World Elite Mastercard review

Jun 6, 2020

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Hawaiian Airlines World Elite Mastercard overview

The Hawaiian Airlines World Elite Mastercard offers an above-average return for a cobranded airline card, but doesn’t come with many benefits. Those who regularly check bags with Hawaiian and can maximize the partner award possibilities will get the most value from this card. Card Rating*: ⭐⭐⭐

*Card Rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.

Among credit cards that don’t get a lot of attention is the Hawaiian Airlines World Elite Mastercard. That shouldn’t be much of a surprise considering the airline’s limited route network and that it isn’t part of a major airline alliance.

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However, Hawaiian offers some solid partner award-redemption opportunities. So, let’s take a closer look at the Hawaiian Airlines Mastercard has to offer and see whether it’s worth picking up.

Related reading: The best airline credit cards of 2020

In This Post

Who is this card for?

Because all of the card’s major perks are specific to the airline, the Hawaiian Airlines Mastercard is best for flyers who regularly book with Hawaiian. The easiest way to use HawaiianMiles is for flights on Hawaiian. The card has a reasonable $99 annual fee that’s waived the first year and its sign-up bonus comes with a relatively low spending requirement, so you can earn a substantial number of miles without breaking the bank.

Related reading: 5 reasons to fly Hawaiian Airlines to Hawaii

The information for the The Hawaiian Airlines World Elite Mastercard has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

(Photo by Wallace Cotton / The Points Guy)
(Photo by Wallace Cotton / The Points Guy)

Sign-up bonus

The Hawaiian Airlines Mastercard is currently offering a welcome bonus of 50,000 bonus HawaiianMiles after you spend $2,000 on the card in the first 90 days of account opening, worth $450 based on TPG’s valuations. That might not sound exciting at first, but the spending requirement is also a lot lower than on most travel rewards cards. Plus, you’ll get a 50% discount on one published full coach round-trip fare for a companion.

Main benefits and perks

All of the card’s perks revolve around flying Hawaiian Airlines. The card offers a unique feature that lets you transfer miles between accounts, but lacks some run-of-the-mill perks that most other cobranded airline cards offer, such as priority check-in and boarding. Benefits include:

  • A $100 companion discount for a travel companion on round-trip travel between Hawaii and the mainland on Hawaiian Airlines after each account anniversary.
  • A free checked bag for the primary cardholder on Hawaiian Airlines-operated flights between North America and Hawaii and between neighboring islands when booking flights directly with the airline using the Hawaiian Airlines Mastercard (HawaiianMiles Pualani Elite members receive this benefit in addition to their usual baggage allowance).
  • Shared miles — Primary cardholders can share HawaiianMiles among friends and family without a fee, up to 10 times per calendar year.
  • Inflight purchase credit for Elites — Pualani Elite Platinum and Gold members are eligible to receive an inflight purchase credit of $10 a day, up to $100 a year. It can be used to cover onboard entertainment, beverages and premium meals.
  • No foreign transaction fees.
  • World Elite Mastercard benefits — With a World Elite Mastercard, you’ll get an array of value-added benefits such as a $10 Lyft credit after taking five or more rides each month, a $5 discount on orders of $25 or more from Postmates and cellphone protection.

Due to the coronavirus outbreak, the airline is extending credit card companion certificates that are set to expire before August 2020 through Dec. 31, 2020. This applies to both 50% off and $100 off companion certificates earned with the card.

How to earn points

The earning structure on the Hawaiian Airlines Mastercard is better than most cobranded airline credit cards. The card offers 3 miles per dollar on Hawaiian Airlines purchases, whereas most of its counterparts offer 2 miles per dollar on airline spending. Although not industry-leading, the card has an above-average return on the top everyday spending categories — 2 miles per dollar on gas, dining and grocery stores and 1 mile per dollar on everything else. Cardholders earn bonus miles at thousands of shops and restaurants that are a part of the HawaiianMiles Marketplace.

(Photo by Wallace Cotton/The Points Guy.)

How to redeem points

The most obvious use of HawaiianMiles is for Hawaiian Airlines award flights. Although the program technically publishes an award chart, each award type provides a range of prices, rather than fixed redemption rates, meaning that you’ll typically get consistent value from your miles. To give you a general idea, first-class awards between Hawaii and the West Coast start at 40,000 miles one way, but can go up to 80,000 miles. As a cardholder, you’ll also get automatic discounts on coach awards across the airline’s entire route network.

Related reading: Best ways to redeem points and miles on Hawaiian Airlines

You could nab a first-class award on Hawaiian, but with variable pricing it can cost a lot of miles. (Photo by Nick Ellis/The Points Guy)
You could nab a first-class award on Hawaiian, but with variable pricing it can cost a lot of miles. (Photo by Nick Ellis/The Points Guy.)

Although Hawaiian Airlines isn’t part of the three major airline alliances, you can redeem your miles on partners such as JetBlue, Japan Airlines, Virgin Atlantic and Korean Air. Unlike Hawaiian-operated flights, partner awards have fixed redemption rates — with the exception of JetBlue — and in many cases, they’ll provide you with the most value for your miles.

That current 50,000-mile welcome bonus? You might be able to book a one-way first-class flight between Hawaii and the continental U.S. on Hawaiian. Or, you could book a round-trip business-class flight within Asia on Korean Air. Partner awards are not available through Hawaiian’s website, so your best bet is to use ExpertFlyer to search for award availability and then call to book it.

You could also use HawaiianMiles to book a business class award on Korean Air. (Photo by Zach Honig/The Points Guy.)

HawaiianMiles can be redeemed for hotel stays, car rentals, gift certificates, grocery, shopping and dining gift cards, magazines and newspapers. Miles can also be transferred to Hilton Honors, the Caesars Rewards loyalty program and Points.com. However, these types of redemptions generally offer poor value compared to using them for award flights, so we recommend avoiding them.

Which cards compete with the Hawaiian Airlines Mastercard?

Since Hawaiian Airlines is a 1:1 transfer partner of American Express Membership Rewards and a 3:1 transfer partner of Marriott Bonvoy, there are plenty of other credit cards that can help you boost your balance of HawaiianMiles while enjoying a different selection of perks.

The closest comparison to the Hawaiian Airlines Mastercard in the Amex lineup is the American Express® Green Card. The Amex card comes out ahead on bonus categories, offering 3x points on all travel, transit and restaurants. The Amex Green has a slightly higher annual fee of $150 (see rates and fees), but it comes with a number of travel perks that help recoup that, including an up to $100 Clear membership credit and an up to $100 LoungeBuddy credit.

The Amex Green Card is currently offering a welcome bonus of 30,000 Membership Rewards points after spending $2,000 on purchases in the first three months, which is less than the Hawaiian Airlines welcome bonus, but those points also offer more flexibility when it comes time to redeem.

(Photo by Josh Gribben for The Points Guy)
(Photo by Josh Gribben for The Points Guy)

Bottom line

The Hawaiian Airlines World Elite Mastercard definitely isn’t for everyone. However, if you can use the free checked bag benefit and the partner award possibilities, then it can make a solid case for itself, especially if you are a frequent flyer on Hawaiian.

For rates and fees of the Amex Green card, please click here.

Chase Sapphire Preferred® Card

WELCOME OFFER: 60,000 Points

TPG'S BONUS VALUATION*: $1,200

CARD HIGHLIGHTS: 2X points on all travel and dining, points transferrable to over a dozen travel partners

*Bonus value is an estimated value calculated by TPG and not the card issuer. View our latest valuations here.

Apply Now
More Things to Know
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That’s 3X points in addition to the 2X points you already earn on travel.
Intro APR on Purchases
N/A
Regular APR
15.99%-22.99% Variable
Annual Fee
$95
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Recommended Credit
Excellent/Good

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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