Both are well-respected travel cards. The Hawaiian Airlines World Elite Mastercard comes from Bank of America at $99/yr; the Capital One Spark Miles for Business from Capital One at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | Hawaiian Airlines World Elite Mastercard | Capital One Spark Miles for Business |
|---|---|---|
| Annual fee | $99 | $95 |
| Sign-up bonus | 70,000 miles | 50,000 miles |
| Bonus value (est.) | $980 | $900 |
| Min spend to unlock bonus | $2,000 in 3 mo | $4,500 in 3 mo |
| Issuer | Bank of America | Capital One |
| Card category | airline | business |
| Best earning category (Hawaiian) | 3x | 1x |
| Transfer partners | hawaiian-miles | capital-one |
| Headline benefits |
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Niche card unless you fly Hawaii regularly. Note: Hawaiian + Alaska have merged loyalty into Atmos Rewards in 2025; the long-term direction of this card is in transition. Worth tracking if you're Hawaii-bound multiple times a year.
The strongest catch-all 2x business card with transferable points. The annual fee is waived first year; the Capital One transfer chart includes Aeroplan, Flying Blue, Turkish, and Virgin Atlantic — enough to make 2x meaningful.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time — confirm the current offer on the issuer's page before applying.
