Hawaiian Airlines Business Credit Card Review – Forbes Advisor

earn rewards

The Hawaiian Airlines® World Elite Business Mastercard®* earns 3 HawaiianMiles per dollar on eligible Hawaiian Airlines purchases, 2 miles per dollar on gas station, restaurant and office supply store purchases, and 1 mile per dollar on all other purchases.

These category bonuses aren’t the most lucrative unless you spend enough on Hawaiian Airlines to maximize the earnings bonus. The card has an annual fee of $99, so you would need to spend at least $3,300 annually on Hawaiian Airlines purchases to break even.

In addition to these bonuses, the Hawaiian Airlines Business Card offers up to 40,000 bonus miles when you meet certain spending thresholds:

  • Earn 20,000 bonus HawaiianMiles when you spend $50,000 to $99,999 on annual purchases; or
  • Earn 40,000 bonus HawaiianMiles when you spend $100,000 or more on annual purchases

There’s also a welcome bonus of 80,000 bonus HawaiianMiles in the first year and a $99 credit after spending $2,000 on purchases in the first 90 days.

redeem rewards

Hawaiian Airlines doesn’t have the most generous award chart. However, it offers a few sweet spot redemptions that will help you make good use of the Hawaiian Airlines Business Card welcome bonus. You can redeem just 7,500 miles each way for travel within Hawaii, or redeem 125,000 miles for a return upper class flight on Virgin Atlantic. Flights to Japan cost 90,000 miles each way, which isn’t the cheapest award, but this card’s welcome bonus is enough to cover it.

Finally, tickets to Hawaii start at just 17,500 miles each way in economy or 40,000 in first class. Hawaiian Airlines offers impressive flatbed seats on select routes that put its competitors to shame. If you want to fly First Class to Hawaii, these seats are the right choice. The Hawaiian Airlines Business Card Welcome Bonus allows you to purchase a round-trip ticket.

reward potential

So how much can a small business owner make with the Hawaiian Airlines Business Card? That largely depends on spending habits. Forbes Advisor uses data from various government agencies to determine both base income and average spending across different categories. The 70th percentile of wage-earning households brings in $107,908 annually and has $32,072 in expenses that can be charged to this card. We estimate the operating expenses for a sole proprietorship to be of the same order of magnitude.

We estimate that $3,849 is used on gas, which earns 2 miles per dollar for a total of 7,698 miles. Meal expenses are estimated at $4,511, bringing in 9,022 miles, while travel expenses are $3,762. From that amount, we add $1,520 for Hawaiian Airlines flights, which generates 4,560 miles. $1,110 in hotel expenses and $1,132 in other travel purchases would earn 1 mile per dollar for a total of 2,242 miles.

The remaining $19,950 non-bonus spend would accrue 19,950 miles. A total spend of $32,072 would generate 43,472 Hawaiian Miles. While this can go a long way depending on how you redeem HawaiianMiles, you can do better with a different card.

For example, The Blue Business® Plus Credit Card from American Express (Terms apply. See Prices & Fees) receives 2% cashback on all eligible purchases up to $50,000 per calendar year, then 1%. If you charge $32,072 to this card, you will receive 64,144 Membership Awards that roll over to HawaiianMiles at a 1:1 ratio. Not only would you earn more miles for the same amount, but the Amex Blue Business has no annual fee.

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