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Hawaiian Airlines World Elite Mastercard vs Capital One Venture X

Both are well-respected travel cards. The Hawaiian Airlines World Elite Mastercard comes from Bank of America at $99/yr; the Capital One Venture X from Capital One at $395/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

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.

FeatureHawaiian Airlines World Elite MastercardCapital One Venture X
Annual fee$99$395
Sign-up bonus70,000 miles75,000 miles
Bonus value (est.)$980$1,350
Min spend to unlock bonus$2,000 in 3 mo$4,000 in 3 mo
IssuerBank of AmericaCapital One
Card categoryairlinetravel
Best earning category (Hawaiian)3x1x
Transfer partnershawaiian-milescapital-one
Headline benefits
  • $100 companion discount
  • Free checked bag
  • 5k anniversary miles
  • Hawaii routing
  • $300 annual travel credit
  • 10,000 anniversary miles
  • Capital One Lounges
  • 2x on all other purchases
Read the full review
Hawaiian Airlines World Elite Mastercard
$99/yr · 70,000 miles
Read the full review
Capital One Venture X
$395/yr · 75,000 miles

Editorial take: Hawaiian Airlines World Elite Mastercard

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.

Editorial take: Capital One Venture X

The best value premium travel card. $300 travel credit, Priority Pass, 10,000 anniversary miles, and a massive transfer partner list — all for $395. It's hard to beat.

Common questions

Which card has the bigger sign-up bonus, Hawaiian Airlines World Elite Mastercard or Capital One Venture X?
The Capital One Venture X has the bigger bonus — 75,000 miles, worth roughly $1,350, versus 70,000 miles (~$980) on the Hawaiian Airlines World Elite Mastercard.
Is the Hawaiian Airlines World Elite Mastercard's $99 annual fee worth it compared to the Capital One Venture X?
At $99/yr, the Hawaiian Airlines World Elite Mastercard is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Capital One Venture X's — pick the one whose perks you'll actually use.
Can I have both the Hawaiian Airlines World Elite Mastercard and Capital One Venture X?
Yes, since they're from different issuers (Bank of America and Capital One) the application rules don't conflict. Many points enthusiasts hold both — they pair well when one earns flexible bank points and the other earns a different currency.
Should I get the Hawaiian Airlines World Elite Mastercard or the Capital One Venture X first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Hawaiian Airlines World Elite Mastercard: $2,000 spend in 3 months. Capital One Venture X: $4,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

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.