Hawaiian Airlines Bank of Hawaii World Elite Mastercard
Barclays$99 a yearWorld Elite MastercardNo foreign transaction feeIssuer's page
A fair time to apply if the card fits how you spend.
Already have it? Keep it.
Welcome bonus
70,000points
- 60,000 after $1,000 in the first 90 days
- 10,000 more after $2,000 total in the first 180 days
6/24 Rule, 24 Month Rule and 2 more. Am I eligible?
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus70,000 points at 1.5¢ | $1,050 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$120 |
| Annual fee | −$99 |
| Meeting the $2,000 spendearns 1.5% here vs 2% on Double Cash | −$10 |
| First year | $1,061 |
| Each year after | +$211 |
Not counted in the first year: other benefits and protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 2X | Grocery Stores | 3% |
| 2X | Dining | 3% |
| 2X | Gas Stations | 3% |
| 3X | Alaska and Hawaiian Airlines purchases | 4.5% |
| 1X | Everything else | 1.5% |
Noteworthy perks
- Two free checked bags for the primary cardholder only on eligible Hawaiian Airlines and Alaska Airlines flights when tickets are purchased with the card; companions do not receive the waiver
Personal card · Earns Alaska Atmos Rewards
Benefits
Elite status (1)
- Alaska Atmos Rewards: Earn 1 status point for every $3 spent (no annual cap)
Protections (5)
- Travel Accident Insurance, up to $250,000, Up to $250,000 coverage for death/dismemberment on common carrier when fare paid with card
- Trip Cancellation/Interruption, up to $5,000, Up to $5,000 per trip or $10,000 per 12-month period for non-refundable trip costs
- Baggage Delay Insurance, up to $300, $100 per day for up to 3 days for essential purchases when baggage is delayed 6+ hours
- Auto Rental Collision Damage Waiver (secondary), Coverage for rental car damage or theft when entire rental paid with card; covers rentals up to 31 consecutive days
- Cell Phone Protection, up to $800, Up to $800 per claim, $1,000 per card per 12-month period, $50 deductible, max 2 claims per year; must pay monthly cell phone bill with card
Other Perks
- Two free checked bags for the primary cardholder only on eligible Hawaiian Airlines and Alaska Airlines flights when tickets are purchased with the card; companions do not receive the waiver
- One-time 50% companion discount for roundtrip coach travel between Hawaii and North America on Hawaiian Airlines, or roundtrip North America on Alaska Airlines
- $100 companion discount for roundtrip coach travel between Hawaii and North America destinations on Hawaiian Airlines operated flights or roundtrip North America coach travel on Alaska Airlines operated flights on each account anniversary
- Free points sharing with up to 10 Atmos Rewards members
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to Hawaiian Bank of HawaiiOct 8, 2026
- changed from null to 1000Aug 13, 2026
- changed from null to 90Aug 13, 2026