Both are well-respected travel cards. The Hawaiian Airlines World Elite Mastercard comes from Bank of America at $99/yr; the United Club Business Card from Chase at $695/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 | United Club Business Card |
|---|---|---|
| Annual fee | $99 | $695 |
| Sign-up bonus | 70,000 miles | 75,000 miles |
| Bonus value (est.) | $980 | $1,050 |
| Min spend to unlock bonus | $2,000 in 3 mo | $5,000 in 3 mo |
| Issuer | Bank of America | Chase |
| Card category | airline | business |
| Best earning category (Hawaiian) | 3x | 1x |
| Transfer partners | hawaiian-miles | mileageplus |
| 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.
Pure United Club access card. Cash equivalent of the lounge membership is $750+/year, so the $695 fee makes sense if you're at United hubs frequently. The 1.5x base earning is the highest catch-all rate among premium business cards.
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.
