Hawaiian Airlines® World Elite Mastercard® Review: Rewards, Fees & Benefits

Welcome Bonus

70,000 Miles

Welcome Bonus

Spend $2,000 in the first 90 days

Bonus Posted Please allow 6-8 weeks after you meet the spending requirement for bonus miles to be credited to your HawaiianMiles account.

Rewards

Reward TypeMiles

Base Rate1x / 1%

Bonus RateUp to 3x

Travel Portal1x

ExpirationHawaiianMiles do not expire as long as the account is open and in good standing, or there is qualifying activity at least once every 18 months.

Redemption NotesAward availability is subject to change. Standard Hawaiian Airlines award change and cancellation fees may apply.

Category	Rate	Type	Cap
Hawaiian Airlines Purchases Eligible Hawaiian Airlines® purchases	3x	Miles	No cap
Gas Gas purchases	2x	Miles	No cap
Dining Dining purchases	2x	Miles	No cap
Groceries Grocery store purchases	2x	Miles	No cap
All Other Purchases All other purchases	1x	Miles	No cap

Benefits & Protections

No Foreign Fees

Concierge Service

Benefit	Category	Value / Coverage
World Elite Concierge Service Provides complimentary 24/7 concierge assistance for travel planning, dinner reservations, event tickets, and more.	Lifestyle	24/7 complimentary service
Extended Warranty Protection Doubles the original manufacturer's or store brand warranty for up to one additional year on eligible purchases with a warranty of one year or less, up to a maximum of $10,000 per claim.	Purchase Protection	Up to 1 additional year, max $10,000 per claim
Purchase Assurance Covers eligible new purchases against damage or theft for a specified period (e.g., 90 days) from the date of purchase.	Purchase Protection	Up to $1,000 per claim, $50,000 per account per year Up to $1,000
All Other Purchase Miles Earn 1 mile for every $1 spent on all other eligible purchases.	Rewards	1X mile per $1
Gas, Dining, and Grocery Store Purchase Miles Earn 2 miles for every $1 spent on eligible gas, dining, and grocery store purchases.	Rewards	2X miles per $1
Hawaiian Airlines Purchase Miles Earn 3 miles for every $1 spent on eligible Hawaiian Airlines purchases.	Rewards	3X miles per $1
Welcome Bonus Miles Earn a specified number of bonus HawaiianMiles after meeting a spending requirement within a certain timeframe as part of a new cardmember offer.	Rewards	e.g., 70,000 bonus miles
ID Theft Protection Provides assistance with identity theft resolution services, including alerts and expert assistance.	Security	Identity theft resolution services
Mastercard Global Service Provides 24/7 assistance with lost or stolen card reporting, emergency card replacement, and emergency cash advance.	Security	24/7 assistance
Zero Liability Protection Protects you against unauthorized purchases made with your card. You pay only for purchases you have authorized.	Security	Full protection
Baggage Delay Insurance Reimburses you for essential purchases like toiletries and clothing for baggage delays over a specified time period (e.g., 3 hours) when your common carrier ticket was purchased with your eligible card.	Travel Insurance	Up to $100 per day for 3 days Up to $300
Car Rental Collision Damage Waiver Provides secondary coverage for damage due to collision or theft of a rental vehicle when you decline the rental company's similar insurance and pay for the rental with your eligible card.	Travel Insurance	Secondary coverage
Lost Luggage Insurance Reimburses you for the actual cost of replacing lost or stolen luggage and its contents when your common carrier ticket was purchased with your eligible card.	Travel Insurance	Up to $3,000 per trip Up to $3,000
Travel Accident Insurance Provides coverage for accidental death or dismemberment while traveling on a common carrier when tickets are purchased with the card.	Travel Insurance	Up to $250,000 Up to $250,000
Trip Cancellation/Interruption Insurance Reimburses you for non-refundable passenger fares if your trip is canceled or interrupted for covered reasons when tickets are purchased with the card.	Travel Insurance	Up to $1,500 per trip Up to $1,500
Annual $100 Companion Discount Receive a $100 companion discount for a roundtrip coach fare between Hawaii and North America on Hawaiian Airlines each year you spend $10,000 or more on eligible purchases with your card.	Travel Perks	$100 companion discount Up to $100
First Free Checked Bag The primary cardmember and one companion traveling on the same reservation on Hawaiian Airlines operated flights are eligible for their first checked bag free.	Travel Perks	First checked bag free
No Foreign Transaction Fees Pay no foreign transaction fees on purchases made outside the U.S.	Travel Perks	0% foreign transaction fee
One-Time 50% Off Companion Ticket Receive a one-time 50% off companion discount for a roundtrip coach fare between Hawaii and North America on Hawaiian Airlines.	Travel Perks	50% off companion ticket
Share Miles Share miles with friends and family members who have a HawaiianMiles account, up to 10 times per calendar year.	Travel Perks	Up to 10 times per year

Interest Rates

Purchase APR21.24%–29.99% Variable

Cash Advance APR29.99%

Penalty APR29.99%

Min. Interest Charge$2

Fees

Annual Fee $99

Foreign Transaction FeeNone

Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater.

Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater.

Late Payment FeeUp to $40

Returned Payment FeeUp to $40

Approval & Eligibility

670 Recommended minimum FICO · Range 670–850

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileGood

Approval OddsGood

Co-ApplicantNot allowed

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 3 cards from this issuer simultaneously.

Shutdown Risk Triggers

Manufactured spending, high cumulative credit limit across all issuers, rapid succession of applications (even if under 6/24), suspicious spending patterns (e.g., large purchases immediately after meeting minimum spend followed by inactivity), abuse of return policies or credit card benefits, consistent late payments, or defaulting on other Barclays products.

Cliff Effect Rules

Barclays primarily enforces the '6/24 Rule' across all its credit card products, limiting new approvals based on recent account openings from any issuer. While not a 'card family' rule like some other issuers, eligibility for a sign-up bonus for the Hawaiian Airlines World Elite Mastercard is generally restricted to once per product lifetime, or after a significant period (e.g., 24 months) since the last bonus was earned or the card was closed. Applying for multiple Barclays cards too quickly can also lead to denials.

International Friendly

This card works well for international travel and transactions.

Additional Issuer Rules

Eligibility for the Hawaiian Airlines World Elite Mastercard requires applicants to be a U.S. resident, at least 18 years of age, and possess good to excellent credit. A primary application rule for Barclays is the '6/24 Rule,' meaning applicants are generally not approved if they have opened more than 6 new credit card accounts across all issuers in the past 24 months. Furthermore, applicants are typically eligible for only one sign-up bonus per product lifetime, or after a significant cooldown period (e.g., 24 months) since receiving the last bonus or closing the card. The standard sign-up bonus usually involves earning a specific amount of HawaiianMiles after meeting a minimum spending requirement within the initial months of account opening (e.g., 'Earn 60,000 HawaiianMiles after spending $2,000 in the first 3 months').

Military & Hardship

MLA Compliant

Complies with the Military Lending Act (36% APR cap for active duty servicemembers).

SCRA Benefits

If you're an eligible active duty Servicemember, you may qualify for benefits under the Servicemembers Civil Relief Act (SCRA). For more information, please visit BarclaycardUS.com/SCRA.

Hawaiian Airlines® World Elite Mastercard®

Welcome Bonus

Rewards

Benefits & Protections

Interest Rates

Fees

Approval & Eligibility

Issuer Rules & Restrictions

Quick Summary