Hawaiian Airlines World Elite Business Mastercard

Earning Rates

Key Benefits

All Benefits

• Welcome offer: earn 50,000 bonus Atmos Rewards Points after spending $4,000 on purchases (less credits, returns, and adjustments) and paying the annual fee in full, both within the first 90 days after Card Account open date, per the Introductory Bonus Offer disclosure in the Barclays Hawaiian Airlines Business Mastercard Terms and Conditions (tc47642); the issuer notes paying only the minimum payment due each month may not satisfy the annual-fee-paid-in-full requirement within 90 days
• Valuation context: at TPG's published ~1.4 cents-per-point valuation for Atmos Rewards Points (the new unified Alaska + Hawaiian currency) the 50,000-point welcome bonus is worth ~$700 in award-flight redemption value, materially higher than HawaiianMiles' historical ~1 cent valuation thanks to Atmos's inheritance of Alaska Mileage Plan's Oneworld partner award chart per TPG's Atmos Rewards guide
• $99 annual fee, not waived in the first year, disclosed on the Hawaiian Airlines Business Mastercard apply page footnote 1 and the Terms and Conditions (tc47642); the issuer T&Cs explicitly tie welcome-bonus eligibility to paying the annual fee in full within the first 90 days
• Earn 3 Atmos Rewards Points per $1 on eligible Net Purchases of tickets, goods, and services purchased directly from Hawaiian Airlines OR Alaska Airlines (this is a post-merger expansion; Alaska Airlines direct purchases were added to the 3X category under the unified Atmos Rewards program) per the Earning Atmos Rewards Points section of the Hawaiian Airlines Business Mastercard Reward Rules; Hawaiian Purchases are items billed by Hawaiian Airlines as merchant of record booked through HawaiianAirlines.com, Hawaiian Airlines reservations, Hawaiian onboard purchases, and Hawaiian Airlines airport and city ticket counters
• Earn 2 Atmos Rewards Points per $1 on eligible Net Purchases at gas stations (automated fuel dispensers and service stations by merchant category code), office supply stores (stand-alone merchants that primarily sell stationery and office supplies for business consumption), and dining (eating places, restaurants, bars, taverns by merchant category code) per the Hawaiian Airlines Business Mastercard Reward Rules in the Terms and Conditions
• Earn 1 Atmos Rewards Point per $1 on all other eligible Net Purchases per the Reward Rules in the Hawaiian Airlines Business Mastercard Terms and Conditions
• HawaiianMiles to Atmos Rewards transition is COMPLETE for this product: the Hawaiian Airlines Business Mastercard Reward Rules now define rewards currency as 'Atmos Rewards Points (previously HawaiianMiles)' and explicitly state 'Alaska Air Group, Inc. now administers the Program following its acquisition of Hawaiian Airlines in September 2024,' meaning every benefit on this card already accrues to the unified Atmos Rewards program account managed by Alaska Air Group rather than to a legacy HawaiianMiles account
• Annual spend bonus (tiered): earn 20,000 bonus Atmos Rewards Points after spending $50,000 to $99,999 in Net Purchases within each cardmembership year, or 40,000 bonus Atmos Rewards Points after spending $100,000 or more in Net Purchases within each cardmembership year (maximum 40,000 bonus points per cardmembership year regardless of total spend) per the Additional Benefits / Annual Spend Bonus Atmos Rewards Points section of the Hawaiian Airlines Business Mastercard Reward Rules; bonus points are applied at the Card Account cycle date of the anniversary month and the benefit may not be achievable based on the assigned credit line
• One-time 50% companion discount on one published full coach roundtrip fare for a companion, valid for 13 months from Card Account open date, redeemable on roundtrip coach travel between Hawaii and North America destinations on Hawaiian Airlines OR Alaska Airlines operated flights (the issuer apply page expanded the benefit beyond Hawaiian-only to include Alaska Airlines operated flights post-merger) per the Companion Travel Discount section of the Reward Rules; the primary cardmember must be one of the two passengers, both must be booked on the same flight record / fare / class of service and travel on all segments together, the discount applies to fare only (net of taxes and government fees and charges), is not valid on Neighbor Island flights, international flights, codeshare flights with partner airlines, multi-city flights, or in combination with Atmos Rewards Points award redemptions, and must be redeemed through the cardmember's Atmos Rewards Program Account
• Free first checked bag: NOT OFFERED on the Hawaiian Airlines Business Mastercard (verified via the current Hawaiian Airlines Business Mastercard apply page Additional Benefits section, the Hawaiian Airlines Business Mastercard Reward Rules in the Terms and Conditions tc47642, and One Mile at a Time's review of the card, none of which list a free first checked bag benefit; the free first checked bag on Hawaiian Airlines is a perk of the personal Hawaiian Airlines World Elite Mastercard, not the business card)
• $100 statement credit on Hawaiian flights after qualifying spend: NOT OFFERED on the Hawaiian Airlines Business Mastercard (verified via the current Hawaiian Airlines Business Mastercard apply page Additional Benefits section, the Reward Rules in the Terms and Conditions tc47642, and One Mile at a Time's review of the card, none of which list any $100 (or other) Hawaiian Airlines flight statement credit; this benefit historically existed on the personal Hawaiian Airlines Mastercard product line, not the business card)
• Atmos Rewards Points are unlimited: there is no cap on the total Atmos Rewards Points the cardmember can earn through the Card Account as long as the Program continues and the Card Account remains open and in Good Standing, per the Important Information About Atmos Rewards Points section of the Reward Rules and the apply page Additional Benefits section
• Atmos Rewards Points never expire on this card account so long as the Program continues and the Card Account is open and in Good Standing, per the apply page Additional Benefits section (the underlying Program expiration and forfeiture policies are administered by Alaska Air Group, Inc. and published at HawaiianAirlines.com / atmosrewards.com per the Reward Rules)
• Atmos Rewards Points redemption network: the card accrues Atmos Rewards Points that can be redeemed via Alaska Air Group's unified Atmos Rewards Program for award flights on Alaska Airlines, Hawaiian Airlines, and the full Oneworld partner alliance the program inherited from Mileage Plan (including American Airlines, British Airways, Cathay Pacific, Fiji Airways, Iberia, Japan Airlines, Malaysia Airlines, Qantas, Qatar Airways, Royal Air Maroc, Royal Jordanian, SriLankan, Finnair) per The Points Guy's Atmos Rewards program guide; short-haul economy awards on Alaska/Hawaiian start at 4,500 Atmos Rewards Points one-way for flights up to 700 miles per TPG
• Atmos Rewards Points Sharing: Hawaiian Airlines Business Mastercard primary cardmembers can send and receive Atmos Rewards Points to/from friends and family online at HawaiianAirlines.com, with an email address required on the cardmember's Program Account to receive transferred points, per the Additional Benefits / Atmos Rewards Points Sharing section of the Reward Rules (full Sharing terms hosted at atmosrewards.com/cardbenefits)
• Atmos Rewards Dining (Rewards Network): the card is automatically enrolled in Atmos Rewards Dining, a dining rewards program operated by Rewards Network Establishment Services Inc., earning 1 additional Atmos Rewards Point for every $2 spent at participating restaurants (stackable with the card's own 2X dining earning), per the Atmos Rewards Select Partners section of the Reward Rules; participating partners and restrictions are subject to change at atmos.rewardsnetwork.com
• No foreign transaction fees: 0% foreign transaction fee on all international purchases per the Hawaiian Airlines Business Mastercard Terms and Conditions (tc47642) Interest Rates and Interest Charges schedule and the apply page Additional Benefits section
• World Elite Mastercard for Business: the Hawaiian Airlines Business Mastercard is a World Elite Mastercard for Business issued by Barclays Bank Delaware pursuant to a license from Mastercard International Incorporated, per the apply page footnote 3 and Reward Rules trademark disclosures; Barclays does not enumerate any Mastercard network-optional travel protections in the issuer disclosures for this specific co-brand and protections that are not called out by the issuer should not be assumed to apply
• Complimentary employee cards at no additional annual fee, per the Employee Cards entry in the Hawaiian Airlines Business Mastercard apply page Additional Benefits section; the Reward Rules earn definition includes 'Net Purchases made by you and/or any authorized user(s) of your Card Account' so employee-card purchases count toward all earn categories and toward annual spend bonus thresholds
• Consolidated expense tracking: cardmembers receive a consolidated statement showing all expenses across the primary card and employee cards for easier business expense tracking, per the Expense Tracking entry in the Hawaiian Airlines Business Mastercard apply page Additional Benefits section
• Joint and several liability: when the Signing Individual submits the application as a sole proprietor or authorized representative/owner/officer/partner/agent of the Business, the Signing Individual and the Business are jointly and severally liable for all charges on the Account (meaning the individual is personally liable for all amounts due), per the Authorization section of the Hawaiian Airlines Business Mastercard Terms and Conditions
• Variable APR: 19.49% to 29.49% variable for purchases and balance transfers (depending on creditworthiness), 29.74% variable for cash advances; balance transfer fee 3% (minimum $5), cash advance fee 3% (minimum $10); minimum monthly interest charge $1.00; APRs as of 03/31/2026 against a 6.75% Prime Rate per the Hawaiian Airlines Business Mastercard Terms and Conditions Interest Rates and Interest Charges schedule
• Authorized user (employee) net purchases count toward Primary Cardmember earnings: the Reward Rules earn structure earns points 'for Net Purchases made by you and/or any authorized user(s) of your Card Account,' so all employee-card spend feeds the Primary Cardmember's Atmos Rewards Program Account and counts toward annual spend bonus tiers per the Hawaiian Airlines Business Mastercard Terms and Conditions
• Atmos Rewards Points posting timing: Atmos Rewards Points earned on Net Purchases are posted to the Primary Cardmember's Program Account 4 to 6 weeks following earning activity, per the Earning Atmos Rewards Points section of the Reward Rules; all points earned through the Card Account transfer to the cardmember's Atmos Rewards Program Account after the close of each billing statement
• Atmos Rewards Points forfeiture risk: Atmos Rewards Points earned during a billing cycle but not yet transferred to Alaska Air Group, Inc. will be forfeited if the Card Account is closed for fraud, abusive/gaming conduct, or as determined by Barclays based on Card Account usage history, and Barclays may request Alaska Air Group invalidate already-transferred points per the Atmos Rewards Points Forfeiture section of the Reward Rules; this is a stricter forfeiture posture than typical Chase Ultimate Rewards or Amex Membership Rewards co-brands
• Primary auto rental collision damage waiver: NOT OFFERED as called out by the issuer (the Hawaiian Airlines Business Mastercard apply page Additional Benefits section, the Terms and Conditions tc47642, and the Reward Rules do not list any primary CDW or auto rental insurance benefit; while World Elite Mastercard for Business is the network tier, Barclays has not elected to advertise a primary CDW upgrade on this co-brand and One Mile at a Time's review of the card does not surface any auto rental coverage, consistent with the Barclays business co-brand pattern where each issuer-specific co-brand only includes protections the issuer explicitly elects to include)
• Cell phone protection: NOT OFFERED as called out by the issuer on the Hawaiian Airlines Business Mastercard (the apply page Additional Benefits section, the Terms and Conditions, and the Reward Rules do not list cell phone protection; while the card is a World Elite Mastercard for Business, Barclays has not elected to include cell phone protection on this Hawaiian Airlines co-brand and One Mile at a Time's review of the card does not list it as a perk)
• Trip cancellation, trip interruption, or trip delay insurance: NOT OFFERED as called out by the issuer (the Hawaiian Airlines Business Mastercard apply page and the Additional Benefits and Reward Rules sections of the Terms and Conditions do not list trip cancellation, interruption, or delay insurance, and One Mile at a Time's review does not surface any such coverage on this card)
• Baggage delay or lost luggage reimbursement: NOT OFFERED as called out by the issuer (the Hawaiian Airlines Business Mastercard apply page and the Reward Rules do not list baggage delay or lost luggage insurance among the card's benefits)
• Purchase protection or extended warranty: NOT OFFERED as called out by the issuer (the Hawaiian Airlines Business Mastercard apply page and the Reward Rules do not list purchase protection or extended warranty coverage)
• Airport lounge access: NOT OFFERED (the Hawaiian Airlines Business Mastercard apply page Additional Benefits section does not list any airport lounge benefit, Priority Pass membership, Alaska Lounge access, or Hawaiian Premier Club access; Alaska Lounge+ membership credit and lounge access are perks of the higher-tier Atmos Rewards Summit Visa Infinite and Atmos Rewards Ascent personal cards from Bank of America, not this Barclays business card)
• Global Entry or TSA PreCheck application fee credit: NOT OFFERED (the Hawaiian Airlines Business Mastercard apply page Additional Benefits section and the Reward Rules do not list a Global Entry, TSA PreCheck, or NEXUS statement credit, and One Mile at a Time's review of the card does not surface any such credit)
• Concierge service: NOT OFFERED as called out by the issuer (the Hawaiian Airlines Business Mastercard apply page does not advertise a complimentary concierge service; while the card is branded a World Elite Mastercard for Business and Mastercard Concierge is a network-optional benefit, Barclays has not elected to call this out on this co-brand and One Mile at a Time's review does not list it as a perk)
• Anniversary bonus miles: NOT OFFERED on the current Atmos-era Hawaiian Airlines Business Mastercard (the Reward Rules in the current Terms and Conditions tc47642 do not include a 5,000-mile or other anniversary bonus; while Doctor of Credit historically referenced a 5,000-mile anniversary bonus on the legacy HawaiianMiles-era version of the card, the current Atmos-era Reward Rules surface only the welcome bonus, the tiered annual spend bonus, the one-time 50% companion discount, and the program-level perks (Sharing, Atmos Dining) as the rewards benefits)
• Transfer partners into the Atmos Rewards Program: Bilt Rewards transfers to Atmos Rewards at 1:1 (Atmos inherited Alaska's Bilt partnership post-merger), and Marriott Bonvoy points transfer to Atmos Rewards at 3:1 with a 5,000-point bonus per 60,000 transferred per TPG's Atmos Rewards transfer guide; Atmos Rewards is not a direct transfer partner of Chase Ultimate Rewards, American Express Membership Rewards, or Citi ThankYou Points, so most flexible-points cards cannot top up an Atmos balance directly
• Bank of Hawaii equivalent product caveat: a separate Hawaiian Airlines Business Mastercard product is issued by Bank of Hawaii (not Barclays), at HawaiianBOHBizCard.com / hawaiianbohcard.com per the Barclays Content-Security-Policy frame-ancestors header; cardmembers comparing offers should confirm which issuer's card they are applying for since the Barclays product and the Bank of Hawaii product have separate terms, separate annual fee structures, and separate welcome offers, although both accrue to the same unified Atmos Rewards Program post-merger