Barclays · Mastercard

Hawaiian Airlines Bank of Hawaii World Elite Mastercard

$99 annual fee · 1x on everything else · no foreign transaction fees

Earn rates · how we got this

Category	Rate	Cap
Gas	2x	uncapped
Dining	2x	uncapped
Groceries	2x	uncapped
Everything else	1x	uncapped
Flights at Hawaiian Airlines only — anywhere else in this category the card earns its base rate, so it is excluded from every ranking on this site	3x	uncapped

See how it ranks: best gas cards · best dining cards · best groceries cards.

Non-cash perks

Two free checked bags for the primary cardmember on tickets bought direct from Hawaiian/Alaska
One-time 50% off companion discount on a roundtrip coach fare between Hawaii and North America on Hawaiian Airlines
Discounted award flights on Hawaiian Airlines
No foreign transaction fees

Does the fee earn out? · how we got this

The $99 fee minus $0 in printed credits leaves $99/yr to earn back through rewards — roughly $3,536 of gas spending at 2x (valuing Alaska miles at the same mid-range value the optimizer uses). Whether that clears depends on your actual spending.

Is this $99 fee worth it? See the break-even math →

Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.

Who this card is not for

Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. One thing on this card rules out a kind of spender:

Anyone who doesn't spend at Hawaiian Airlines. Its largest printed rate, 3x on flights, pays only at Hawaiian Airlines. Anywhere else it earns its base 1x, so the headline number is a loyalty rate rather than a category rate — which is why no ranking on this site counts it.

Compared head-to-head

Hawaiian Airlines Bank of Hawaii World Elite Mastercard vs Citi Strata Premier® Card — which earns more?

Comparing cards in the same currency? See the best cards that earn Alaska miles →