Hawaiian Airlines World Mastercard Review

Who is the Hawaiian Airlines World Mastercard for?

The Hawaiian Airlines World Mastercard is best suited for frequent travelers who live in Hawaii or travel to Hawaii often. With a decent rewards rate of 3x miles on eligible Hawaiian Airlines purchases, 2x miles on gas, dining, and grocery store purchases, and 1x miles on all other purchases this card can help you earn rewards on your everyday purchases. If you are someone that needs a travel card and frequently uses Hawaiian airlines for travel then this card can help not only elevate your experience but also save money on your travels. 

In addition to the rewards rate, cardholders get numerous benefits that make their travels comfortable and hassle-free. From free checked bags to annual rewards cardholders are getting extra benefits that help them save money and time while traveling. However, there is an annual fee of $99 so you must make sure that you will use all of these features to the fullest because you do not want to incur unnecessary costs. 

This card also comes with a heft signup bonus and no blackout dates which can make your next vacation significantly cheaper or even free. You can start earning extra points instantly, and your points will never expire as long as you stay active on your account every 18 months. For the avid traveler, this card could provide you with many extra benefits to make your vacations that much better. 

Signup Bonus

Cardholders receive a generous signup bonus. You can earn 50,000 miles if you spend $2,000 on purchase in the first 90 days and pay the annual fee. Almost all daily purchases count towards the $2,000 and this is the easiest way to make your next vacation much cheaper. You also can earn rewards on top of the 50,000 bonus miles for additional savings. If you know you spend this amount of money in 90 days then this card provides extra miles at no additional cost. 

Rewards

The Hawaiian Airlines World Mastercard comes with a solid rewards rate. You can get 3x miles on eligible Hawaiian Airlines purchases. This makes it easy for frequent Hawaiian Airlines users to earn miles and save on their travel expenses. Cardholders also get 2x miles on gas, dining, and groceries, and 1x points on all other purchases. This card makes it easy to earn miles even on your everyday purchases which can maximize your travel savings. It is important however to make sure where you can actually earn points because most of the time there are certain exceptions. You will not earn rewards from online marketplaces or third-party sellers, and stores such as warehouse clubs (Costco), target, or Walmart do not count as groceries. If you do a majority of your shopping in the aforementioned stores then this card may not maximize your rewards. 

Also, cardholders receive a $100 companion discount annually. This is perfect for frequent travelers because this reward basically offsets the $99 annual fee if you travel at least once a year. This card gives you a good rewards rate and rewards annually that rewards the avid vacationer. 

Benefits and Security

Cardholders reap many travel benefits that could make their trip all the more enjoyable. With this card, your first checked bag is free for the primary cardmember when you use this card to purchase tickets directly from Hawaiian Airlines. This can not only help you save money but also give you the peace of mind that your bag is safe. It also takes the stress out of carrying your bag around everywhere and loading it onto the plane yourself. Although this may seem insignificant having this checked bag can be the difference between an enjoyable flight and a bad one. 

Cardholders also get many discounts on flights. You can receive a one-time 50% off companion discount for roundup travel between Hawaii and North America on Hawaiian Airlines. In addition to the signup bonus, this could make your flight virtually free so you have more money to enjoy yourself during your vacation. Also, you are eligible for discounted Hawaiian Airlines tickets all year round which can allow you to go on more trips throughout the year or save on your vacations. With this card, you are always getting deals and saving money.

This card also comes with $0 Fraud Liability protection. That means if your information is stolen you are not responsible for any fraudulent purchases that happen on your card. All you have to do is promptly report the purchase and the bank will work immediately to keep your information safe and get rid of that purchase. This level of security helps you stay safe and ensure that you will not be responsible for purchases you did not make. 

Finally, this card comes with chip technology, which is common but it is important to keep your information safe. Your information is stored on the small chip within the card which adds another level of security to make sure that your card information is safe. In today’s digital age the more security a card can offer the better. 

Rates and Fees

The APR for both purchases and balance transfers ranges from 15.99%, 19.99% or 24.99% (variable) based upon your creditworthiness. For cash advances, the APR is 24.24% so make sure to limit ATM withdrawals when using this card. There are also no intro periods for purchases or balance transfers so if you are looking to finance larger purchases cheaply then this card will not be helpful. 

This card also comes with a balance transfer fee of 3% with a 5$ minimum. The cash advance fee is 5% with a $10 minimum so it is important to keep track of these types of transactions to avoid incurring unnecessary charges. There are also late fees and returned payments of up to $39, therefore it is important to make all of your payments on time. 

A major benefit to this card is that there is no foreign translation fee. You can travel internationally with this card and not have to pay any extra fees. There is also no penalty APR so your rate should not go up based upon a missed payment. 

Conclusion

The Hawaiian Airlines World Mastercard is good for people who travel frequently using Hawaiian airlines. There is a decent rewards rate that can apply to all purchases, and discounts on Hawaiian Airlines flights. This card also gives you annual rewards and security benefits that keep your information safe. If you do not use Hawaiian airlines often this card will not be as beneficial because all of the benefits received are through Hawaiian airlines. Overall, this card is great for the frequent traveler, so long as you take advantage of all of the features this card has to offer.