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Hawaiian Airlines World Elite Mastercard vs Chase Sapphire Reserve

Both are well-respected travel cards. The Hawaiian Airlines World Elite Mastercard comes from Bank of America at $99/yr; the Chase Sapphire Reserve from Chase at $795/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Chase Sapphire Reserve is the stronger pick today — the sign-up bonus is meaningfully larger ($2,020 more in estimated value) than the Hawaiian Airlines World Elite Mastercard's. Get the Chase Sapphire Reserve first; revisit the Hawaiian Airlines World Elite Mastercard after you've earned that bonus.

FeatureHawaiian Airlines World Elite MastercardChase Sapphire Reserve
Annual fee$99$795
Sign-up bonus70,000 miles150,000 points
Bonus value (est.)$980$3,000
Min spend to unlock bonus$2,000 in 3 mo$6,000 in 3 mo
IssuerBank of AmericaChase
Card categoryairlinetravel
Best earning category (Hawaiian)3x1x
Transfer partnershawaiian-mileschase-ur
Headline benefits
  • $100 companion discount
  • Free checked bag
  • 5k anniversary miles
  • Hawaii routing
  • $300 annual travel credit
  • Priority Pass lounges
  • 10x on flights via Chase
  • Global Entry/TSA PreCheck
Read the full review
Hawaiian Airlines World Elite Mastercard
$99/yr · 70,000 miles
Read the full review
Chase Sapphire Reserve
$795/yr · 150,000 points

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: Chase Sapphire Reserve

Recently revamped with over $3,000 in annual credits and perks. If you travel three or more times a year and live near an airport with a Sapphire lounge, this card is a smart choice.

Common questions

Which card has the bigger sign-up bonus, Hawaiian Airlines World Elite Mastercard or Chase Sapphire Reserve?
The Chase Sapphire Reserve has the bigger bonus — 150,000 points, worth roughly $3,000, 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 Chase Sapphire Reserve?
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 Chase Sapphire Reserve's — pick the one whose perks you'll actually use.
Can I have both the Hawaiian Airlines World Elite Mastercard and Chase Sapphire Reserve?
Yes, since they're from different issuers (Bank of America and Chase) 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 Chase Sapphire Reserve 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. Chase Sapphire Reserve: $6,000 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.