Hawaiian Airlines Business Credit Card Review – Forbes Advisor

Earn rewards

The Hawaiian Airlines® Mastercard® World Elite Business Card* earn 3 HawaiianMiles per dollar on qualifying Hawaiian Airlines purchases, 2 miles per dollar on gas, catering and office supply purchases and 1 mile per dollar on all other purchases.

These category bonuses aren’t the most lucrative unless you spend enough with Hawaiian Airlines to maximize the earning bonus. The card has an annual fee of $99, so you’ll need to spend at least $3,300 on Hawaiian Airlines purchases each year to break even.

In addition to these bonuses, the Hawaiian Airlines Business Card offers up to 40,000 bonus miles if you meet certain spending thresholds:

  • Earn 20,000 bonus HawaiianMiles if you spend between $50,000 and $99,999 on annual purchases; Where
  • Earn 40,000 bonus HawaiianMiles if you spend $100,000 or more on annual purchases

There’s also a first-year welcome bonus of 80,000 bonus HawaiianMiles and a $99 statement credit after spending $2,000 on purchases in the first 90 days.

Redeem rewards

Hawaiian Airlines doesn’t have the most generous rewards chart. However, it does offer some great point redemptions that will help you put the Hawaiian Airlines Business Card welcome bonus to good use. You can redeem just 7,500 miles each way for an intra-Hawaii flight or splurge 125,000 miles for a premium round-trip seat on Virgin Atlantic. Flights to Japan cost 90,000 miles one way, which isn’t the cheapest reward, but this card’s welcome bonus is enough to cover that.

Finally, tickets to Hawaii start at just 17,500 miles each way in economy class or 40,000 in first class. Hawaiian Airlines offers impressive tray seats on select routes that far outperform its competitors. If you want to get to Hawaii in first class, these seats are the way to go. With the Hawaiian Airlines Business Card welcome bonus, you can cover a round-trip ticket.

Rewards potential

So how much can a small business owner make with the Hawaiian Airlines Business Card? Much depends on consumer habits. Forbes Advisor uses data from various government agencies to determine both basic incomes and spending averages in various categories. The 70th percentile of salaried households brings in $107,908 a year and has $32,072 in expenses that can be charged to this card. We estimate the business expenses of a sole proprietorship to be in the same range.

We estimate that $3,849 will go to gasoline, which earns 2 miles per dollar for a total of 7,698 miles. Dining costs are estimated at $4,511, earning 9,022 miles, while travel is $3,762. Of this amount, we estimate that $1,520 is for Hawaiian Airlines flights, generating 4,560 miles. Hotel expenses of $1,110 and other travel purchases of $1,132 would earn 1 mile per dollar, totaling 2,242 miles.

The remaining $19,950 of non-bonus spend would earn 19,950 miles. A total of $32,072 spent would generate 43,472 HawaiianMiles. While this can go a long way, depending on how you redeem HawaiianMiles, you can do better with another card.

For example, the Blue Business® Plus credit card from American Express (conditions apply. See rates and fees) earns 2% cash back on all eligible purchases up to $50,000 per calendar year , then 1%. By charging $32,072 on this card, you will earn 64,144 Membership Rewards, which will be transferred to HawaiianMiles at a 1:1 ratio. Not only would you earn more miles on the same amount spent, the Amex Blue Business has no annual fee.