Why I Love My Hawaiian Airlines World Elite Mastercard

June is a freelance writer and the author of “The Joy of Syntax" and “The Best Punctuation Book, Period.” A former staff writer, reporter and editor for the community news division of the Los Angeles Times, she also writes the weekly syndicated “A Word, Please” column that runs in newspapers in five states.

Lead Assigning Editor Mary M. Flory
Lead Assigning Editor

Mary Flory leads NerdWallet's growing team of assigning editors at large. Before joining NerdWallet's content team, she had spent more than 12 years developing content strategies, managing newsrooms and mentoring writers and editors. Her previous experience includes being an executive editor at the American Marketing Association and an editor at news and feature syndicate Content That Works.

Fact Checked

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Like most of the travel rewards cards in my wallet, the Hawaiian Airlines® World Elite Mastercard® won my business with an attractive sign-up bonus.

At the time, a round-trip ticket to Hawaii from the mainland started at just 35,000 miles, and I was just 10,000 miles shy of two round-trip tickets immediately upon earning the bonus. But I didn’t even wait that long to book a flight. Instead, I reserved two one-way tickets on Hawaiian and two one-way tickets on United (where I also had miles). I was on the beach in no time flat.

That was years ago. But this card stays in my wallet, despite a $99 annual fee, due to some benefits that are too good to give up. Here are some of the main reasons I’m a fan of this card.

Good value on redemptions

The Hawaiian Airlines® World Elite Mastercard® ’s earning rate is pretty standard: 1 mile per dollar on most purchases, 2 miles per dollar on gas, groceries and dining, and 3 miles per dollar on eligible Hawaiian Airlines purchases. But the redemptions are especially attractive: Just 35,000 HawaiianMiles can get you a round-trip ticket from the mainland United States. Compare that to United, which costs 45,000 MileagePlus miles for the same round-trip itinerary. That means that if you use your card wisely, it has the potential to get you to Hawaii in a relatively short period of time.

A good use for low award balances

With any frequent flyer program, it can be depressing to look at your mileage balance in the months following a redemption. Sometimes you have just 6,000 or 7,000 miles sitting in there, meaning you’re a long way from a free ticket on a flight you actually want to take. Small quantities of HawaiianMiles, however, have an appealing utility. Interisland flights start at 7,500 HawaiianMiles. On a multi-island trip, using miles for a flight between islands is like a small discount on your vacation.

$100 off companion pass

The first year after signing up for this card, cardholders will receive a one-time 50% off companion pass good for round-trip travel between North America and Hawaii on Hawaiian Airlines. Every year after that, there’s a $100 off companion pass, also valid only on round-trip travel between North America and Hawaii on Hawaiian Airlines. That means that anytime I’m looking for a cash fare, I can compare Hawaiian flights with those of their competitors at what amounts to $50 less per ticket.

Free checked bag

Snorkels and fins don’t fit in a carry-on — at least not if you want to also bring clothes on your trip. So this Hawaiian Airlines® World Elite Mastercard® ’s free checked bag benefit, valid only for the primary cardmember, saves me $60 round-trip.

Free credit score on demand

The days when you had to pay to find out your credit score are gone, provided you have a credit card that gives you your score on demand and for free. With this credit card, I can check my FICO score as often as I like.

'Share Miles' option

Got 20,000 American Airlines AAdvantage miles you’d like to transfer to a friend’s account? That will cost you $280. Compare that to one of the perks of the Hawaiian Airlines® World Elite Mastercard® : free cardmember-to-cardmember miles transfers up to 10 times a year.

Lots of ways to earn extra miles

The HawaiianMiles program has a feature called HawaiianMiles Marketplace that can accelerate earnings for anyone who holds a Hawaiian-branded credit card. Hawaiian Airlines partners with retailers all over the country that offer bonus miles if you shop in person in their stores using your Hawaiian Airlines card. This is separate from the airline’s virtual mall, where anyone can earn bonus HawaiianMiles shopping online with any credit card, which is also a great way to earn bonus miles for online shopping.

For example, if I go to the Pizza Hut in the Glassell Park neighborhood of Los Angeles and use my Hawaiian Airlines® World Elite Mastercard® , I get a Marketplace bonus of 2.5 HawaiianMiles per dollar spent. That’s on top of the 2 miles per dollar I get for using the card on dining purchases.

Of course, the best thing about this card is clear just from the name: It can help get you to one of the greatest vacation destinations on Earth on an airline that specializes in the spirit of aloha.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card No annual fee: Wells Fargo Autograph℠ Card Flat-rate travel rewards: Capital One Venture Rewards Credit Card Bonus travel rewards and high-end perks: Chase Sapphire Reserve® Luxury perks: The Platinum Card® from American Express Business travelers: Ink Business Preferred® Credit Card About the author

You’re following June Casagrande
Visit your My NerdWallet Settings page to see all the writers you're following.

Follow for more nerdy know-how Keep up with your favorite financial topics on NerdWallet. June is a freelance writer whose work has been featured by the Los Angeles Times. See full bio.

On a similar note.

NerdWallet Home Page Finance Smarter Credit Cards Financial Planning Financial News Small Business

Download the app

QR code for downloading the app

Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.

NerdUp by NerdWallet credit card: NerdWallet is not a bank. Bank services provided by Evolve Bank & Trust, member FDIC. The NerdUp by NerdWallet Credit Card is issued by Evolve Bank & Trust pursuant to a license from MasterCard International Inc.

Impact on your credit may vary, as credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

NerdWallet Compare, Inc. NMLS ID# 1617539

California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812

Insurance Services offered through NerdWallet Insurance Services, Inc. (CA resident license no.OK92033) Insurance Licenses

NerdWallet™ | 55 Hawthorne St. - 10th Floor, San Francisco, CA 94105