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Hawaiian Airlines World Elite Mastercard vs U.S. Bank Altitude Reserve Visa Infinite

Both are well-respected travel cards. The Hawaiian Airlines World Elite Mastercard comes from Bank of America at $99/yr; the U.S. Bank Altitude Reserve Visa Infinite from U.S. Bank at $400/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 MastercardU.S. Bank Altitude Reserve Visa Infinite
Annual fee$99$400
Sign-up bonus70,000 miles50,000 points
Bonus value (est.)$980$750
Min spend to unlock bonus$2,000 in 3 mo$4,500 in 3 mo
IssuerBank of AmericaU.S. Bank
Card categoryairlinetravel
Best earning category (Hawaiian)3x1x
Transfer partnershawaiian-milesNone
Headline benefits
  • $100 companion discount
  • Free checked bag
  • 5k anniversary miles
  • Hawaii routing
  • $325 annual travel credit
  • 5x mobile wallet travel + dining
  • 8 Priority Pass visits/year
  • 12 Gogo in-flight passes
Read the full review
Hawaiian Airlines World Elite Mastercard
$99/yr · 70,000 miles
Read the full review
U.S. Bank Altitude Reserve Visa Infinite
$400/yr · 50,000 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: U.S. Bank Altitude Reserve Visa Infinite

The hidden-gem premium card for mobile-wallet users — 5x on travel + dining via Apple Pay or Google Pay is the strongest single earning multiplier available. The $325 travel credit applies broadly (almost anything coded as travel or dining). Worth the $400 fee for anyone who taps to pay.

Common questions

Which card has the bigger sign-up bonus, Hawaiian Airlines World Elite Mastercard or U.S. Bank Altitude Reserve Visa Infinite?
The Hawaiian Airlines World Elite Mastercard has the bigger bonus — 70,000 miles, worth roughly $980, versus 50,000 points (~$750) on the U.S. Bank Altitude Reserve Visa Infinite.
Is the Hawaiian Airlines World Elite Mastercard's $99 annual fee worth it compared to the U.S. Bank Altitude Reserve Visa Infinite?
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 U.S. Bank Altitude Reserve Visa Infinite's — pick the one whose perks you'll actually use.
Can I have both the Hawaiian Airlines World Elite Mastercard and U.S. Bank Altitude Reserve Visa Infinite?
Yes, since they're from different issuers (Bank of America and U.S. Bank) 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 U.S. Bank Altitude Reserve Visa Infinite 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. U.S. Bank Altitude Reserve Visa Infinite: $4,500 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.