| Rewards | Typically earns 3x HawaiianMiles on Hawaiian Airlines purchases, 2x on select everyday categories (such as gas, dining, and groceries in many versions), and 1x on all other purchases. |
|---|---|
| Signup Bonus | Commonly around 60,000 bonus HawaiianMiles after meeting a spending requirement (often ~$2,000–$3,000 in the first 90 days), plus occasional perks like a one-time companion discount on eligible fares. Offers vary over time. |
| Annual Fee | $99 (not waived first year on most versions) |
| Cardmember Agreement | View Here |
| Cash Advance APR | Variable APR typically around 29.99%–31.99%+ |
| Cash Advance Fee | Greater of $10 or 5% of each cash advance |
| Late Payment Fee | Up to $41 |
| Purchases APR | Variable APR typically around 20.24%–29.99%, depending on creditworthiness and the Prime Rate |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Hawaiian Airlines Bank of Hawaii World Elite Mastercard is a mid-tier airline rewards card built for travelers who frequently fly between Hawaii and the mainland. It comes with a $99 annual fee and earns HawaiianMiles on airline purchases, plus bonus categories like gas, dining, and groceries, with a strong focus on boosting value through its welcome bonus and occasional companion fare perks.
Most users say the standout feature is the sign-up bonus miles, which can be enough for a round-trip flight or more, especially for Hawaii routes. Many reviewers mentioned they also appreciate the companion discounts and the ability to rack up miles quickly on Hawaiian Airlines bookings.
On the downside, people often point out that HawaiianMiles aren’t very flexible, since they’re mostly useful within the Hawaiian Airlines ecosystem. Others feel the everyday earning structure is only average compared to stronger travel or cash-back cards, and the $99 fee can feel unnecessary for occasional flyers.
Personally, I think this card makes the most sense for frequent Hawaiian Airlines travelers or Hawaii-based residents who can consistently use the miles and companion perks. If you’re not flying Hawaiian regularly, a more flexible travel rewards card will likely deliver better long-term value.
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Worth it when you fly to Hawaii Often
I snagged this card before a Hawaiian vacation and it delivered bonus miles stacked quickly, free checked bags and companion discounts saved serious cash, and no foreign fees made travel smooth.
H
Good card
I opened this card right before a family trip to Maui, and honestly the baggage perks alone saved us a small fortune. The thing I didn’t expect was how fast the miles piled up when I put all my grocery and gas spending on it. I will say—redeeming the miles sometimes felt like playing a guessing game with dates and availability. But as someone who flies home to Hawaii twice a year, this card pays for itself. If you live nowhere near the islands, probably not as magical.
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ticket
i like it
