Hawaiian Airlines Business 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 if what you use each year covers the fee.
Welcome bonus
50,000points
after $4,000 in purchases in the first 3 months
6/24 Rule, 24 Month Rule and 2 more. Am I eligible?
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus50,000 points at 1.5¢ | $750 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$60 |
| Annual fee | −$99 |
| Meeting the $4,000 minimumearns 1.5% here vs 2% on Double Cash | −$20 |
| First year | $691 |
| Each year after | +$11 |
Not counted in the first year: protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 2X | Dining | 3% |
| 2X | Gas Stations | 3% |
| 3X | Alaska and Hawaiian Airlines purchases | 4.5% |
| 2X | Office supply stores | 3% |
| 1X | Everything else | 1.5% |
Business card · Earns Alaska Atmos Rewards
Benefits
Elite status (1)
- Alaska Atmos Rewards: Earn 1 status point for every $3 spent (no annual cap)
Protections (1)
- 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 12-month period; must pay monthly cell phone bill with card; covers theft and damage (not loss); excludes cosmetic damage. Source: Barclays World Elite Mastercard for Business Guide to Benefits BAR-7809-0.
Other Perks
- One-time 50% companion discount for roundtrip coach travel between Hawaii and North America on Hawaiian Airlines, or roundtrip North America on Alaska Airlines
- Big spend bonus: Earn up to 40,000 annual bonus miles — 20k miles with $50-$99k annual spend or 40k miles with $100k or more annual spend
- Free points sharing with up to 10 Atmos Rewards members
- Complimentary employee cards at no additional fee for faster rewards earning and expense control
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 credit_lineOct 11, 2026
- changed from null to Hawaiian BusinessOct 8, 2026
- changed from 50K miles after spending $4K on purchases and paying the annual fee, both within the first 90 days to 50K Atmos Rewards points after spending $4K on purchases and paying the annual fee, both within the first 90 daysOct 6, 2026
- changed from 50K Atmos Rewards points after spending $4K on purchases and paying the annual fee, both within the first 90 days to 50K miles after spending $4K on purchases and paying the annual fee, both within the first 90 daysOct 6, 2026
- changed from 50K miles after spending $4K on purchases and paying the annual fee, both within the first 90 days to 50K Atmos Rewards points after spending $4K on purchases and paying the annual fee, both within the first 90 daysOct 6, 2026
- changed from null to 4000Aug 13, 2026
- changed from null to 90Aug 13, 2026
- changed from 50K Atmos Rewards points after $4K spend and paying the annual fee in full, both within the first 90 days to 50K miles after spending $4K on purchases and paying the annual fee, both within the first 90 daysAug 3, 2026
- changed from 50K miles after $4K spend in first 90 days to 50K Atmos Rewards points after $4K spend and paying the annual fee in full, both within the first 90 daysAug 3, 2026