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Hawaiian Airlines World Elite Mastercard vs United Business Card

Both are well-respected travel cards. The Hawaiian Airlines World Elite Mastercard comes from Bank of America at $99/yr; the United Business Card from Chase at $99/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 MastercardUnited Business Card
Annual fee$99$99
Sign-up bonus70,000 miles75,000 miles
Bonus value (est.)$980$1,050
Min spend to unlock bonus$2,000 in 3 mo$5,000 in 3 mo
IssuerBank of AmericaChase
Card categoryairlinebusiness
Best earning category (Hawaiian)3x1x
Transfer partnershawaiian-milesmileageplus
Headline benefits
  • $100 companion discount
  • Free checked bag
  • 5k anniversary miles
  • Hawaii routing
  • $100 credit after $10k spend
  • $50 hotel credit 2x/year
  • Free checked bag (you + 1)
  • 2 United Club passes/yr
Read the full review
Hawaiian Airlines World Elite Mastercard
$99/yr · 70,000 miles
Read the full review
United Business Card
$99/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: United Business Card

Strong United business card under $100 fee. The free checked bag for two travelers, two club passes, and the under-the-radar $50/twice-per-year hotel credit easily cover the AF for any United-leaning small business.

Common questions

Which card has the bigger sign-up bonus, Hawaiian Airlines World Elite Mastercard or United Business Card?
The United Business Card has the bigger bonus — 75,000 miles, worth roughly $1,050, 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 United Business Card?
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 United Business Card's — pick the one whose perks you'll actually use.
Can I have both the Hawaiian Airlines World Elite Mastercard and United Business Card?
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 United Business Card 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. United Business Card: $5,000 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.