The Hawaiian Airlines Business Mastercard Review for 2021

Earn 3x HawaiianMiles on all your Hawaiian Airlines purchases—plus 2x miles on gas, dining, and office supplies, and 1x miles on all other purchases.

Credit Card

Credit Card

Hawaiian Airlines® Business Mastercard®

Great For: It has great travel perks and rewards for Hawaiian Airlines loyalists.

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  • 60k mile signup bonus
  • Earn up to 40,000 annual bonus miles
  • One-time 50% off companion discount
Credit Card
Apply Now
on Barclays's secure website
Welcome offerafter spending $1K in the first 90 days and making a purchase on employee cardRewards ratebased on where you spend moneyAnnual feeMinimum credit
60,000 Miles3, 2 or 1 miles99700

Quick Guide

The Hawaiian Airlines Business Mastercard is a business credit card for fans of the airline who want their purchases to earn them more of the miles they love. The card offers 3x HawaiianMiles on purchases with the airline, 2x miles per dollar you spend on gas, dining, and office supplies, and 1x miles on all other purchases. With opportunities to earn bonus miles and no limit on the  number of miles you can earn, this card a solid choice for business owners who fly with the airline and its partner airlines and don’t mind the $99 annual fee.

Hawaiian Airlines Business Mastercard Intro Rates

The Hawaiian Airlines business credit card doesn’t come with an introductory 0% APR for purchases or balance transfers. Instead, you’ll pay a variable APR rate that will depend on the market Prime Rate and your creditworthiness. See card’s terms for more information.

Header Hawaiian Airlines Business Mastercard: Welcome Offer

While the Hawaiian Airlines business credit card doesn’t offer a cash welcome bonus, it does come with some opportunities to earn up to 60,000 bonus miles. If you spend $1,000 in your first 90 days as a cardholder you’ll earn 50,000 miles. You can earn an additional 10,000 miles once a purchase is made on an employee card tied to your account within the 90-day window.

In addition to the opportunity to earn bonus miles, you’ll also receive a one-time 50% off companion discount for a roundtrip coach trip between Hawaii and North America on the airline. You can check the card’s Terms and Conditions to learn more about this benefit.

The Hawaiian Airlines Business Mastercard could be an appealing option for business owners who fly with the airline or its partners frequently and who know they can hit the minimums to earn the bonus miles within the first 90 days they have the card.

Hawaiian Airlines Business Mastercard: Ongoing Offer

For every dollar you spend on Hawaiian Airlines purchases using the Hawaiian Airlines Business Mastercard, you’ll receive 3x miles. You’ll also get 2x miles per dollar you spend on gas, dining, and office supplies, and 1x miles on all other purchases. You can also earn bonus miles for every dollar you spend with select Hawaiian Airlines Marketplace partners. A list of those partners is available here.

Big spenders will be able to earn even more bonus miles. In each year as a cardholder you can earn 20,000 bonus miles with $50,000-$99,999 in annual purchases, or 40,000 bonus miles with $100,000 or more in annual purchases. There’s no limit to the miles you can earn, as long as the card account is open and in good standing.

When you redeem your miles, you can redeem them with Hawaiian Airlines or with one of the airline’s travel partners, including JetBlue, Korean Air, Virgin Atlantic and Virgin Australia.

Header: Hawaiian Airlines Business Mastercard Annual Fee

The Hawaiian Airlines business credit card has an annual fee of $99, which will be a dealbreaker for a business owner who’s looking for a business credit card with no annual fee.

Is the Hawaiian Airlines Business Credit Card Right for You?

Get the Hawaiian Airlines Business Mastercard If:

  • You plan on spending enough between your card and an employee’s card in your first 90 days to earn the 60,000 bonus miles, and enough in subsequent years to earn the bonus miles, too.
  • You’re looking for a business credit card with no foreign transaction fees.
  • You fly frequently with Hawaiian Airlines and/or its partner airlines.

Skip the Hawaiian Airlines Business Credit Card If:

  • You want a signup bonus with instant gratification. Some cards, such as the Chase Ink Business Cash card, offer cash once you hit your spending minimum in your first few months as a cardholder. If the idea of a cash welcome bonus appeals to you more than miles, you can skip the Hawaiian Airlines business credit card.
  • You’re looking to maximize your airline miles across multiple airlines. The value of the airline miles you earn with any business credit card will depend on when and how you redeem, but if you’re looking for a card that will let you redeem with over a dozen airlines, the Hawaiian Airlines Business Mastercard isn’t right for you. Instead, you might consider a card from an airline like Delta that’s in the SkyTeam Airline Alliance.
  • You want to transfer debt from another business credit card and pay it down. The Hawaiian Airlines Business Mastercard doesn’t have an introductory 0% APR offer that would make it a good bet for a balance transfer.

Why the Hawaiian Airlines Business Credit Card?

Reward Miles

The Hawaiian Airlines Business Mastercard comes with the opportunity to earn a generous 60,000 bonus miles in your first 90 days with the card. You’ll receive a one-time 50% off companion discount for a roundtrip coach trip between Hawaii and North America on the airline, too.

After that 90-day period is up, you’ll earn 3x HawaiianMiles on purchases made with the airline, 2x miles for every dollar you spend on gas, dining, and office supplies, and 1x miles per dollar you spend on all other purchases. Each year you have the card you can earn 20,000 bonus miles with $50,000-$99,999 in annual purchases, or 40,000 bonus miles with $100,000 or more in annual purchases. And the good news is that there is no limit to the number of miles you can earn.

If you’re a frequent flyer with Hawaiian Airlines and its partners and you’re looking for a card that will reward that loyalty, the Hawaiian Airlines Business Mastercard could be a tempting option.

No Foreign Transaction Fee

While the Hawaiian Airlines Business Mastercard does come with a $99 annual fee, as well as late payment fees, balance transfer fees, and a handful of other fees, it doesn’t charge a foreign transaction fee. That’s great news for business owners who travel internationally and don’t want to worry about those pesky fees adding up.

If you’re loyal to the airline and its partners and you’re interested in building business credit, the card could be a solid option for taking on your travels overseas. As long as you pay your balance on time, you won’t have to worry about late fees or interest charges.

Keep in Mind With the Hawaiian Airlines Business Credit Card

High Spending Minimums for Bonus Miles After the Welcome Period

The Hawaiian Airlines business credit card requires a minimum spend of only $1,000 to earn the bonus miles that are available within the first 90 days you have the card. After that welcome period ends, however, the spending minimums jump up significantly. To earn 20,000 bonus miles, you’ll need to make between $50,000 and $99,999 in annual purchases. To earn 40,000 bonus miles, you’ll need to make $100,000 or more in annual purchases. If those amounts sound like child’s play to you then there’s nothing to worry about, but if the spending minimums for bonus miles seem like they’ll be out of reach based on your business budget you might want to consider a different business credit card.

Miles, Not Cash Back

For some business owners, keeping track of rewards miles might be just another hassle that will add to your to-do list or stress levels. If that’s the case, you might prefer a business credit card that offers cash back on purchases. That way, you’ll have an easier time seeing how much you’re earning, and you won’t have to worry about gaming the rewards redemption process.

The best cash back business credit cards take the guesswork out of earnings rewards for your spending. Plus, when you’re not tied to a particular airline you’ll be able to book your flights as and when you want to, without having to worry about the availability of flights you can purchase with miles.

Balance Transfer Rates

If you want to use your business credit card to tackle debt from another card, the Hawaiian Airlines Mastercard is not a great option. The card comes with a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. Plus, any balance you transfer will be subject to a variable APR.

There are other balance transfer offers out there that are a better bet for a business owner looking to pay down old credit card debt.

Top Alternatives to the Hawaiian Airlines Business Credit Card

While it’s a solid option for fans of Hawaiian Airlines and its partners, the Hawaiian Airlines Business Mastercard is by no means the only fish in the sea. There are several other business credit cards out there from airlines that also offer rewards for your spending.

Here are a few alternatives to consider:

JetBlue Business Credit Card

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Credit Card

JetBlue Business Card

Great For: It has great travel perks and rewards for Jet Blue loyalists.

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  • 40K point sign up bonus
  • 6X points on Jet Blue purchases
  • 5K bonus points every year
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Welcome offerafter spending $1K in first 3 monthsRewards ratebased on where you spend moneyAnnual feeMinimum credit
40,000 points6, 2 or 1 points0700

Although JetBlue and Hawaiian Airlines are partner airlines, the JetBlue business credit card is a great  alternative to the Hawaiian Airlines Mastercard if you’re looking to supercharge your JetBlue rewards.

When you swipe your JetBlue Business Card, you’ll earn travel points that you can redeem for JetBlue purchases. Your spending will net you 6x points for every dollar you spend directly with JetBlue, 2x points for every dollar you spend on restaurants and at office supply stores, and 1x points for every dollar you spend on other purchases.

You’ll also enjoy other perks, such as a 50% discount on inflight purchases you make with the card, a free first checked bag for you and up to three other people on your reservation, a $100 statement credit when you buy a JetBlue Vacations package worth at least $100, and automatic TrueBlue Mosaic status If you spend at least $50,000 on your JetBlue business credit card in a calendar year.

As far as bonuses go, the card holds its own. If you spend $1,000 during your first 90 days as a cardholder you’ll earn a welcome offer of 40,000 bonus points. You’ll also earn 5,000 bonus miles on each account anniversary you celebrate.

The $99 annual fee on the JetBlue business credit card is the same as on the Hawaiian Airlines business credit card. Also like the Hawaiian Airlines business credit card, the JetBlue business credit card does not offer a 0% intro APR period, so it’s not a great option for balance transfers.

If you don’t mind paying an annual fee and you don’t have balances you need to transfer, the JetBlue business credit card is a viable alternative to Hawaiian Airlines business credit card, particularly for those chasing Mosaic status with the airline.

Southwest Rapid Rewards Premier Business Credit Card

Credit Card

Credit Card

Southwest Rapid Rewards® Premier Business Credit Card

Great For: Best for loyal Southwest flyers and frequent travelers who are looking for a business credit card with one of the most generous sign-up bonuses we've seen

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Welcome offerafter you spend $3,000 on purchases in the first 3 monthsRewards ratedepending on where you spendAnnual feeMinimum credit
60,000 points2X or 1X points99660

Another airline credit card to consider is the Southwest business credit card, a Chase card that gives you 2x points on purchases made with Southwest and its hotel and rental car partners, plus 1x points for all other purchases.

If you spend $3,000 in your first three months with the card you’ll get 60,000 bonus points. Each year you have the card you’ll also get a 6,000-point bonus on your cardholder anniversary. And the bonuses don’t end there. If you complete 100 one-way flights in a year or earn 110,000 points in a year you’ll get a free companion pass.

The card’s $99 annual fee is the same as the Hawaiian Airlines and JetBlue cards, and there are no foreign transaction fees to worry about.

Platinum Delta SkyMiles® Business Credit Card from American Express

For our other alternative to the Hawaiian Airlines business credit card we’re going in a slightly different direction, with a card that opens up a wide range of possibilities, the Platinum Delta SkyMiles® Business Credit Card from American Express. The Platinum Delta SkyMiles business credit card  lets you use your miles with Delta or with the 18 other airlines in the SkyTeam Airline Alliance.  If you hate to be tied down to one or a handful of airlines, you’ll enjoy the flexibility this card gives you.

As a Delta Platinum business credit card account owner, you’ll have access to the card’s generous welcome offer.  Spend $1,000 during your first three months after opening an account and you’ll earn 35,000 Bonus Miles and 5,000 Medallion Qualification Miles (MQMs for those in the know). Once you make a Delta purchase, you’ll earn a $100 statement credit.

Delta purchases will also earn you 2x rewards for every dollar you spend. You’ll get priority boarding, free checked bags, and a speedier path to Delta frequent flyer status categories.

The annual fee is $0 for the first year and then $95 per year after that, making it a cheaper alternative to the Hawaiian Airlines business credit card.

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Apply Now
on Chase's secure website
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Sally Lauckner
Editor-in-Chief at Fundera

Sally Lauckner

Sally Lauckner is the editor-in-chief of the Fundera Ledger and the editorial director at Fundera.

Sally has over a decade of experience in print and online journalism. Previously she was the senior editor at SmartAsset—a Y Combinator-backed fintech startup that provides personal finance advice. There she edited articles and data reports on topics including taxes, mortgages, banking, credit cards, investing, insurance, and retirement planning. She has also held various editorial roles at AOL.com, Huffington Post, and Glamour magazine. Her work has also appeared in Marie Claire, Teen Vogue, and Cosmopolitan magazines. 

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