Credit Cards Credit Card Reviews

Hawaiian Airlines Business Mastercard Review

overall rating
2.5

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The Hawaiian Airlines Business Mastercard, with an annual fee of $99, allows small business owners and their employees who prefer to fly with Hawaiian to earn solid rewards. This card comes with few or no travel features but has generous one-time rewards and no foreign transaction fees.

Hawaiian Airlines® Business Mastercard®

Overall Rating
2.5
Hawaiian Airlines® Business Mastercard®
On Barclaycard's Secured Site.
Current Offer

Earn 60,000 miles after spending $1,000 in the first 90 days, and earn an additional 10,000 miles when a purchase is made on an employee card.

Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.99% - 24.99% variable
Annual Fee $99
Rewards Earning Rate Earn 3x miles on eligible Hawaiian Airlines purchases, 2x miles on gas, dining, and office supply store purchases, 1x miles on all other purchases.
Balance Transfer Fee Either $5 or 3% of the amount of each transfer, whichever is greater.
Cash Advance APR (%) 25.24%
Cash Advance Fee Either $10 or 3% of the amount of each cash advance, whichever is greater.
how this card stacks up
When compared among all business cards in our database:
Rewards
Benefits
Low Fees
Security/Customer Experience
Low Interest
worst best

The Hawaiian Airlines® Business Mastercard® is not one of our top-rated business credit cards. You can review our list of the best business credit cards for what we think are better options.

Full Review of Hawaiian Airlines Business Mastercard

Pros
  • Lucrative, easily earned one-time offers

  • Solid miles rewards

  • One-time 50% discount on a companion fare

Cons
  • $99 annual fee

  • No travel benefits

Pros Explained

  • Lucrative, Easily Earned One-Time Miles Offers: This card’s one-time offers provide a lot for relatively little. Your business earns 60,000 bonus miles for by spending $1,000 within the first three months with the card. That contrasts with the $3,000 or more in spending required by most other cards that offer bonuses of a similar size. A further 10,000 miles is awarded if an initial purchase is made on an employee card.
  • Solid Miles Rewards: With each Hawaiian Air mile worth 1.27 cents when redeemed for flights based on our research, you earn a respectable 3.8 cents per dollar or so for purchases from Hawaiian and a decent 2.5 cents or so on gas, dining, and office supplies. The single mile per dollar earned on all other purchases is unremarkable, but businesses that spend heavily on the card may want to run up miscellaneous spending in order to reach one of the annual spending bonuses. Charging $50,000 earns you 20,000 bonus miles, and reaching $100,000 gives you a further 20,000 miles.
  • One-Time 50% Discount on a Companion Fare: It isn’t the full companion ticket that some other airline cards offer as bonuses, but the Hawaiian Airlines Business Mastercard’s one-time 50% off discount on a companion round-trip coach travel between Hawaii and mainland North America is still a plus. Nothing special is required to qualify; this card benefit is included automatically. You will, however, have to pay for your own ticket, rather than acquiring it with miles, and cover the full taxes and fees for the companion ticket. 

Cons Explained

  • No Travel Benefits: Relatively rare is the airline card that provides no benefits at all when you fly its carrier, but the Hawaiian Airlines Business Mastercard is among that group. It provides none of the niceties of some other airline cards, such as free checked bags and priority boarding. Nor does the card provide any common general travel benefits such as insurance on your trip against baggage loss and trip interruption, or on rental cars you might charge to it.
  • $99 Annual Fee: There are plenty of pricier airline cards out there, but the annual fee for the Hawaiian Airlines Business Mastercard is still a drawback. After the first year and its valuable bonuses, you’d need to spend at least $2,700 a year with the card—and that’s on flights, which have the highest rewards rate—in order to fully justify the annual fee. And, as noted, the card has no travel benefits to help justify paying its cost.  

This Card is Best For

  • Avatar for Rewards Strategist Persona
    Seeks to maximize points or miles earnings across spending categories
    Rewards Strategist
  • Avatar for Frequent Flyer Persona
    Flies often for business or leisure
    Frequent Flyer
  • Avatar for Frequent Diner Persona
    Dines out regularly while traveling or in home city
    Frequent Diner
  • Avatar for Business Owner Persona
    Earning a primary or side income from a small business
    Business Owner

The Hawaiian Airlines Business Mastercard is best suited to businesses whose employees frequently travel to and from Hawaii—or make a number of intra-island flights. Since it offers no benefits, the card makes sense only if your business earns enough in rewards to justify most or all of the $99 annual fee. Achieving that goal would require charging an average of $225 or so in Hawaiian flights to the card every month, or about $340 in gas, dining, and office supplies. Businesses who travel a lot to the Aloha State may, of course, may already be spending that much and more. In fact, if annual credit-card charges routinely run to the mid- to upper- five figures in dollars, the Hawaiian Airlines Business Mastercard might be suitable as your main business credit card.That’s because those spending levels trigger miles bonuses that make the card’s rewards even more solid. The 20,000-miles bonuses at both $50,000 and $100,000 in annual spending essentially add about $250 apiece in annual value to the card. 

Hawaiian Airlines Business Mastercard's One-Time Offers

This card offers up to 70,000 bonus miles, provided you meet two conditions.

First, you must spend at least $1,000 in the first 90 days to receive 60,000 bonus miles. To get the remaining 10,000 bonus miles, you must add an employee card to the account and record at least one purchase with that card in the first 90 days.

The miles are valued at 1.27 cents each when used for air travel, according to our valuations. That means the 70,000 bonus miles would be worth about $889 in award-flight credits. 

Rewards Earning Details

There are a number of ways to earn rewards when making purchases with the Hawaiian Airlines Business Mastercard. 

First, you earn three miles per dollar on Hawaiian Airlines purchases. Next, you can earn two miles per dollar at gas stations, office supply stores, and restaurants. You can earn one mile per dollar on all other purchases. You can sometimes beat the rates above by shopping at the HawaiianMiles Marketplace online. Some of the partners—which include hotels, gas stations, restaurants and major retailers—offer deals that allow you to bonus miles on your purchases. 

Miles are unlimited, so the more you spend, the more you can earn. And spending more with this card each year is a good thing if you want to qualify for the 20,000-mile bonuses that kick in at $50,000 and $100,000 in annual spending.

Rewards Redemption Details

There are numerous ways to redeem miles earned with this card. For instance, you can redeem them for: 

  • Award flights aboard Hawaiian Airlines
  • Flights with Hawaiian Airlines travel partners
  • Hotels and rental cars with Hawaiian travel partners
  • Shopping and dining
  • Charitable donations

Generally, you'll get the most value from your miles when you use them for award travel with Hawaiian Airlines, where we estimate their value at 1.27 cents each. The points required for return awards flights in the main cabin from the U.S. range (according to availability and with discounts) from 35,000 to 170,000 miles from the west coast, or from 53,000 to 220,000 miles from eastern cities.   

In addition to flights to and from the U.S, miles can be used for flights between Hawaiian islands and to:

  • Japan
  • Korea
  • Australia
  • New Zealand
  • Pago Pago and Papeete

Generally, you'll need the least amount of miles if you want island hop from one part of Hawaii to another. For example, you can book a Main Cabin flight between islands for as little as 7,500 miles. 

The more far-flung your destination is from Hawaii, the more miles you'll need for an award flight. You'll need at least 40,000 miles for a Main Cabin fare to Japan, Korea, Australia or New Zealand. Study Hawaiian's award chart to see how many miles you'll need to book a flight. 

How to Maximize Your Rewards

Making the most of the Hawaiian Airlines Business Mastercard begins with ensuring you spend the required $1,000 within your first 90 days, and earn the card’s hefty 60,000-mile one-time offer. In addition, unless you’re a solo entrepreneur, consider adding at least one employee card and have that person use it once, to earn an additional 10,000 bonus miles. After that, this card’s rewards earnings are determined by how much you spend, and on what. It makes sense to charge at least all Hawaiian Air flights to the card, since it’s unlikely any other card will offer better rewards on those purchases. But beyond those, you may want to be more selective in how much you use this card, as these two reward scenarios highlight. (Our calculations do not include the value of the card’s one-time offers.)   

Average Case

Assume that you and one employee each takes two business trips each to Hawaii every year, spending an annual total of $5,000 with Hawaiian Airlines. With 3 miles per dollar spent in rewards, those ticket purchases earn you 15,000 miles. You also spend $10,000 on gas, dining, and office supplies, which yields a further 20,000 miles at the 2-miles-per dollar rate. 

Altogether, you'd earn 35,000 miles. At our estimated value of 1.27 cents per mile, those miles would be worth an estimated $445. 

Aspirational Case

This assumes that you and your employees make three times as many trips to Hawaii as our average Aloha-traveling enterprise. That spending, of $15,000 a year on Hawaiian Airlines purchases, would earn 45,000 points (at the 3-miles-per-dollar-spent rate). It further assumes that you use the Hawaiian Airlines Business Mastercard for a host of other business spending. You charge $20,000 a year on gas, office supplies, and dining expenses, which yields another 30,000 rewards miles. You also spend $15,000 annually on miscellaneous business purchases, for an additional 15,000 points. 

In total, then, this is the spending/mileage your business would earn:

  • $15,000/45,000 miles for Hawaiian Air purchases
  • $20,000/40,000 miles for purchases of gas, office supplies, and dining
  • $15,000/10,000 miles for miscellaneous purchases

At $50,000 in charges within the year, the business would also qualify for a bonus for spending at least that much within a year. The grand total: 115,000 miles, comprising 95,000 points from spending plus the 20,000-mile spending bonus. In all, those miles would be worth about $1,400 when used for Hawaiian Air flights. Put in different terms, those miles could allow you to receive two roundtrip flights between the U.S. mainland and Hawaii, if you manage to grab some of the cheaper discounted awards seats. 

Standard Benefits

  • Chip technology
  • Share miles with friends and family without a fee
  • Complimentary employee cards
  • Expense tracking controls

Cardholder Experience

The Hawaiian Airlines Business Mastercard is issued by Barclays, which received a rating of 806 in J.D. Power's 2019 U.S. Credit Card Satisfaction Study. That’s precisely the average score for card satisfaction across all national issuers included in the study.

If you need help with your account, live chat is available 24 hours a day. You can also text, email, call or write customer support. Account management can be done online or through the Barclays app. 

Security Features

Barclays keeps your card secure by including chip technology. You can also set up alerts to monitor your account activity for suspicious transactions. 

Our Verdict

The Hawaiian Airlines Business Mastercard is an undeniable value for its first year, thanks to generous one-time offers. Those bonuses alone might provide miles sufficient to earn a return economy flight from the U.S. mainland to Hawaii. After that honeymoon period, though, the card’s appeal may drop for many business owners. The card is a little light, to say the least, on travel benefits. Further, unless you travel a lot to Hawaii on business, or want to use the Hawaiian Airlines Business Mastercard as a main business credit card, you might not spend enough with the card for its rewards’ value to justify its $99 annual fee. And the card’s ongoing bonus opportunity—a 50% bonus voucher for a companion fare—requires spending by the cardholder, since he or she can’t use miles to acquire the ticket to accompany their companion.

Bottom line: Even some businesses whose employees travel occasionally to Hawaii might want to forgo this card. A general business travel-rewards card might be a better choice for such companies.

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For Hawaiian Airlines® Business Mastercard®
on Barclaycard's Secured Site.
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CURRENT CARD
Hawaiian Airlines® Business Mastercard®
overall rating
2.5
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.99% - 24.99% variable
Annual Fee $99
Rewards Earning Rate Earn 3x miles on eligible Hawaiian Airlines purchases, 2x miles on gas, dining, and office supply store purchases, 1x miles on all other purchases.
Investopedia Credit Card Rating Methodology
Investopedia is committed to delivering the best credit card recommendations in the industry. We’ll tell you when a card is good, we’ll tell you when a card is bad, and we’ll only call a card the best if we would recommend it to our friends or family members.
Overall Star Rating Explained
To rate credit cards we objectively assess, score and weight nearly 100 individual card features which roll up into five major feature sets: fees, interest, rewards, benefits and security/customer service. Here’s how we weighted those feature sets for the overall star rating of a card:
We have applied our proprietary rating methodology to every generally-accepted credit card in the U.S. domestic market to allow consumers to make fully informed choices. It’s important to note that for our overall score that we make a number of assumptions about how you would be using your credit card:
  1. While we make no assumption as to whether balances are carried on a given card we do assign varying weights to all credit cards’ introductory APR (if present) in addition to the regular, long term purchase and balance transfer interest rates.
  2. We utilize BLS (U.S. Bureau of Labor Statistics) income and average category spending data to calculate annual earnings rates for rewards cards that offer cash back, points or miles rewards at a set rate on all spending or in consideration of bonus rewards for certain spending categories, like gasoline, groceries, restaurants or travel.
  3. We determine the maximum points value of rewards cards by dividing the points, cash back or miles required to exchange for the retail price of the most valuable redemption option (for example, in the case of a card that offers a domestic roundtrip airline ticket as a redemption option vs. another redemption option of lesser value that requires the same amount of points or miles to acquire, we would base the rewards value on the airline ticket).
  • Cards that are selected best overall in their respective categories generally feature most if not all of the following attributes:
  • Low or Reasonable Fees Credit card fees come in many forms but the primary ones involve those for annual card membership and balance transfer. There are a myriad of reward and non-reward card options that charge no annual fee but for the many that do assess an annual fee the cost is often justified by their lucrative ongoing rewards and initial signup bonuses. Balance transfer fees are occasionally waived during introductory periods with certain cards, a factor which is heavily and positively weighted in our scoring model for cards offering this benefit. When charged, balance transfer fees range between 3% - 5%, which we grade accordingly. Other standard fees can generally be avoided, such as those for paying late or taking cash advances but we rate those relative to other cards in the market for reference, though with less weight assigned
  • Competitive Interest Many cards offer 0% introductory APR on purchases and balance transfers for varying lengths and then revert to a permanent or regular APR (based on a variable rate tied to the prime rate) that applies to any balances not paid in full. We rate both introductory APR percentage and length (in months) along with the midpoint of the variable regular APR interest rate range.
  • Valuable Rewards Credit card reward programs can be based on cash back, points or travel rewards (which can be generic or travel partner-specific, as with airline and hotel co-brand card programs). For cards that offer rewards we determine the value per dollar spent along with average redemption values and assign more favorable ratings to cards that offer superior consumer value. We also assign value to sign-up bonus offers and their initial spending requirements, when present.
  • Excellent Benefits Credit card benefits cover a range of offerings like concierge service, TSA Pre-check, auto rental coverage, travel accident insurance, lost luggage assistance and free credit scores. We rate cards on the number and level of over a dozen standard and upscale benefits and provide extra weighting emphasis for those travel-related perks that apply to premium travel cards when present.
  • Solid Security/Customer Service Security and customer service features like lost or stolen card replacement, being able to lock one’s card from an issuer app and 24 hour customer support are becoming more standard across the card market and we provide a significant amount of weighting to features in this area.
  • You can also read the full version of our methodology for a more in-depth look at how we assess cards and award them the best in various categories.