Hawaiian Airlines Business Credit Card Review
Key Takeaways
If you're planning a trip to Hawaii in the next 12–13 months, qualify for a business card, or have reached your Chase 5/24 limit, this card can make sense. The $99 annual fee is justified in the first year with the 50,000-point sign-up bonus and 50% companion discount. Beyond year one, the value drops off. If you travel to Hawaii regularly or can apply for another personal card, consider the Hawaiian Airlines World Elite instead, which offers stronger long-term perks for a similar annual fee.
Why This Card Could Be Right For You
The Hawaiian Airlines Business Credit Card is not a keeper card but offers benefits for travelers planning a Hawaiian vacation within the next year:
- Earn 50,000 miles after spending $4,000 in the first 90 days of account opening.
- Receive a one-time 50%-off companion discount for a roundtrip coach flight between Hawaii and North America, valid for 13 months from account opening.
This companion discount represents the card's most valuable feature, especially if you're planning to travel to Hawaii with someone else within the next year. While there is a $99 annual fee, the combination of the sign-up bonus and companion discount easily outweighs this cost in the first year.
The card also offers the following spending multipliers:
- 3x miles on eligible Hawaiian Airlines purchases
- 2x miles on gas, dining, and office supply store purchases
- 1x miles on all other purchases
Points earned with this card are called Atmos Rewards, which is the combined loyalty program between Hawaiian and Alaska Airlines. All Atmos Rewards can be used on either airline or their partners.
For high spenders, the card offers anniversary bonuses of 20,000 miles after $50,000 in annual spend or 40,000 miles after $100,000. However, most cardholders will get better value by putting that spend toward new sign-up bonuses on other cards. With limited ongoing benefits beyond the first year, this card is best viewed as a short-term play to earn the welcome bonus.
When The Usual Advice Doesn't Apply
This card might not be right for you because:
- Beyond the sign-up bonus and companion discount, the card lacks compelling benefits, especially when compared to the personal Hawaiian credit card, which offers a higher sign-up bonus, the same 50% discount (plus an annual $100 companion discount), and free checked bags.
What to Know About Atmos Rewards
Alaska and Hawaiian Airlines have some great sweet spots, but understanding their award charts is key.
- A key factor in their value is whether either airline flies from your home airport.
- Alaska often has the best pricing available for international business class. Using an award search tool will help maximize.
- Their award chart also allows for some great finds on short-haul domestic flights.
- The one downfall of the program is that only Bilt and Marriott are transfer partners, making collecting points or topping up more difficult
- One-way award tickets with a stopover allows you to visit two destinations for the price of one.
How The Hawaiian Airlines Business Credit Card Fits In The Atmos Rewards Ecosystem
We recommend the Hawaiian Business card over the personal version only if you've reached your Chase 5/24 limit. The personal card delivers better overall value with its 60,000-mile sign-up bonus and lower spending requirement of $1,000.
- Both cards offer the valuable one-time 50%-off companion discount for Hawaii travel within 13 months of account opening.
- For the same $99 annual fee, the personal card provides additional benefits the business version lacks:
- Two free checked bags on Hawaiian flights
- Annual $100 companion discount (not just the first-year 50% discount)
- Identical earning rates (3x on Hawaiian Airlines, 2x on gas, dining, etc.)
The Alaska-Hawaiian merger now has both airlines using the same rewards system, called Atmos Rewards. If you have either of the Hawaiian credit cards or any of the three Alaska Airlines cards (all called Atmos Rewards cards), you will earn Atmos Rewards. These miles can be used for flights on Alaska, Hawaiian, or any of their partner airlines.
Card Information
Bonus Extra
Differentiating Perks
Rules
Card Extras
No extras to display for this card.
Historical Card Offers
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Estimated Next Offer
Hawaiian Airlines Business Application Rules
This business card will not show on your personal credit report, so it won't count against your 5/24 status
Card approval not subject to 5-personal-cards-in-24-months rule
You're more likely to be declined on a Barclay application if you currently have a Barclay card that has not been used in the past 6 months
