Hawaiian Airlines® Business Mastercard® from Barclays review | finder.com

Hawaiian Airlines® Business Mastercard® review – August 2018

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money.

A small business credit card for frequent Hawaiian flyers.

30-second take

  • Get this card if you often fly Hawaiian Airlines.
  • Pick something else if you want a cashback card or an intro APR on purchases and balance transfers.
  • Apply with a good business credit score of 700 or higher.
Product Name Hawaiian Airlines® Business Mastercard®
Card Type Mastercard
Annual Fee $99
APR (Annual Percentage Rate) for Purchases 17.74% or 26.74% variable
Balance Transfer Fee 3% or $5 of the transaction, whichever is greater
Cash Advance Rate 26.99% fixed
Cash Advance Fee $10 or 3% of the cash advance amount, whichever is greater
Foreign Transaction Fee None
Interest Free Period Up to 20 days
Minimum Interest $1
Late Payment Fee $39
Returned Payment Fee $39
Additional Cardholder Fee $0
Minimum Age 18 years of age
Reward Value per Dollar 1 miles

The basics

Hawaiian Airlines® Business Mastercard® lets you earn HawaiianMiles — the frequent flyer miles for Hawaiian Airlines — with every purchase you make. You also accumulate miles based on your flight’s distance. For example, Honolulu to Las Vegas in coach can get you 2,556 additional miles. Sweetening the deal? A generous and easy-to-earn signup bonus after your first purchase.

The card doesn’t limit you to redeeming miles on Hawaiian Airlines flights, which is interesting. You can redeem points to rent a car, purchase gift certificates, convert them to Hilton Honors points or use them toward flights with partner airlines.

For frequent flyers on Hawaiian Airlines, you get a chance at membership upgrades, each level offering additional benefits and perks. That way, you can fly in style to and from Hawaii — or just between the islands.

What is HawaiianMiles?

HawaiianMiles is the frequent flyer program for Hawaiian Airlines. Like other loyalty programs, it offers elite status tiers based on how much you spend or travel:

  • Hawaiian Miles Membership. Anyone who gets the Hawaiian Airlines® Business Mastercard® card or signs up for an account on the Hawaiian Airlines website starts at this level.
  • Paulani Gold Membership. To earn Gold, you must travel 20,000 miles or 30 segments — the “legs” of your journey between cities. With this membership level, you accumulate 50% more miles when flying on a ticket you’ve purchased, Zone 2 priority boarding, two free checked bags and more.
  • Paulani Platinum Membership. This is the highest level, requiring 40,000 miles or 60 segments. You accumulate double the miles when flying on a ticket you’ve purchased, Zone 1 priority boarding, three free checked bags, complimentary upgrades and more.
  • Premier Club. This is the only membership level you can pay your way into. Activate this level by paying a one-time $299 activation fee or earn it by traveling 40,000 miles — either way, your membership is valid for 12 months. When renewing your membership, you can pay $249 or fly 35,000 miles.With Premier, you get some of the perks of the other membership levels plus access to all Premier Club lounges in Hawaii, excluding the Plumeria Lounge in Honolulu, where you can buy access for $40. An opportunity to accumulate yet more miles, you earn a flat 500 miles for each flight to neighboring Hawaiian islands, which otherwise vary from 27 to 394 miles.

Hawaiian Airlines counts either miles or segments toward its HawaiianMiles tiers. In the airline industry, a flight segment is each city-to-city leg of your itinerary. If your reservation includes three landings, for instance, you’re flying three segments. Nonstop flights are considered one segment.

The perks

  • Signup bonus.

    Earn bonus miles — up to $400 in value — after your first purchase. Compared with other cards that require you to spend anywhere from $1,000 to $5,000 in the same period, the Hawaiian Airlines® Business Mastercard® offers one of the easiest signup bonuses to earn.

  • One-time companion discount.

    Get a one-time 50% discount for round-trip coach travel between North America and Hawaii for a companion on your reservation. The discount is valid 13 months from the day you open your account.

  • Earn miles.

    For every dollar you spend on Hawaiian Airlines, you earn 3 miles. All other purchases earn 1 mile per dollar. You also earn miles equal to your flight distance, with no limit on how many miles you can earn and no expiration, as long as the program is active and your account is in good standing. Redeem miles for flights, hotels, car rentals and gift certificates.

How many HawaiianMiles will I need for a flight from the US mainland to Hawaii?

One-way flights to Hawaii start at 20,000 miles when flying in Hawaiian Airlines’ Super Saver and go on up to 130,000 in its Business Flex.

You’ll also like

  • Bonus miles.

    After you spend $50,000 in a calendar year, you’ll earn 20,000 bonus miles. If you spend $100,000 or more in a year, you’ll get a total of 40,000 bonus miles.

  • No foreign transaction fees.

    Use this card when traveling abroad without having to pay international transaction fees. Other cards charge a fee that’s up to 3% of your transaction, which can add up.

  • Free employee cards.

    Get free cards for your employees to earn yet more miles on your business spending.

  • Share miles.

    Move miles among your family and friends online for free on up to 10 miles transfers a year.

  • World Mastercard® benefits.

    Because it’s a Mastercard, the card comes with $0 fraud liability, price protection and more.

What to watch out for

  • Annual fee.

    You’ll pay an $99 fee annually. But frequent flyers can easily offset the annual fee with the miles you earn.

  • Late payment fees.

    If you’re late on a payment, you’ll pay up to $39 — but without the fear of a penalty APR. Other cards enforce penalty APRs of up to 30% after a single late payment.

  • High APR for balance transfers and purchases.

    The Hawaiian Airlines® Business Mastercard® comes with a relatively high 17.74% to 26.74% variable APR for balance transfers and purchases.

  • Balance transfer limits.

    You can transfer balances to this card, but only up to your credit limit or $20,000, whichever is lower. Also, Barclays won’t accept balance transfers from accounts you have with them or their affiliates.

Consider other cards if …

  • You fly with other airlines.

    Many airlines associate their brands with credit cards. If you’re a fan of low-cost airlines, the Southwest Rapid Rewards® Premier Business Credit Card might be one to consider. United Airlines rewards its frequent flyers through the United MileagePlus® Explorer Business Card. The Asiana Visa® Business Card is ideal for businesses that travel often to China, Japan, South Korea and other East Asian countries. For those who primarily fly Delta, consider the Gold Delta SkyMiles® Business Credit Card, which waives fees for your first checked bag and discounts access to Delta Sky Clubs, among many other perks.

  • You want a cashback card.

    Consider the SimplyCash® Plus Business Credit Card from American Express, which offers generous 5% cash back on office supplies and wireless telephone services at US retailers and 3% cash back on a category of your choice on up to $50,000 in combined purchases each year. After that, your cashback rate reverts to 1%. You also get 1% cash back on all other purchases. You’ll get a 0% intro APR period on purchases for the first 9 months your account is open, reverting to an APR of 13.99%, 18.99% or 20.99% variable after.

  • You want general travel rewards.

    The Business Advantage Travel Rewards World Mastercard® credit card from Bank of America could be a better choice if you travel on multiple airlines. You’ll earn 3x points on all purchases made through Bank of America Travel and 1.5x points on all other purchases. Redeem your points for flights, hotels, car rentals, cruises and more.

  • You want an intro APR on purchases and balance transfers.

    Consider the Blue Business℠ Plus Credit Card from American Express. It offers a 0% intro APR period on purchases and balance transfers for 15 months, reverting to an APR of 12.99%, 16.99% or 20.99% variable after — ideal if you plan to make a large purchase or transfer a balance from another card. You can spend above your credit limit, and you’ll earn 2x membership points on all purchases on up to $50,000 each year, reverting to 1x points after that.

Compare business credit cards

Name Product APR (Annual Percentage Rate) for Purchases Introductory Purchase APR Annual Fee
Business Platinum Card® from American Express
None (Charge Card)
$450
Earn 75,000 Membership Rewards® points after you spend $20,000 on purchases within your first 3 months of card membership.
The Plum Card® from American Express
$0 annual fee for the first year ($250 thereafter)
This Charge Card gives you the option to pay in full each month or to carry a balance for up to 60 days with no interest.
Business Gold Rewards Card from American Express
$0 annual fee for the first year ($175 thereafter)
SimplyCash® Plus Business Credit Card from American Express
13.99%, 18.99% or 20.99% variable
0% for the first 9 months (then 13.99%, 18.99% or 20.99% variable)
$0
Earn cash back with buying power to help pay for business needs.
Ink Business Cash℠ credit card
14.99% to 20.99% variable
0% for the first 12 months (then 14.99% to 20.99% variable)
$0
$500 bonus cash back after you spend $3,000 in the first 3 months
Ink Business Preferred℠ credit card
17.74% to 22.74% variable
$95
80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®.
Marriott Rewards® Premier Business credit card
17.74% to 24.74% variable
$99
75,000 Bonus points after you spend $3,000 on purchases in your first 3 months from your account opening with your Marriott Rewards Premier Business credit card.
Spark® Classic for Business
24.74% variable
$0
Get the credit you want for your business, and unlimited 1% cash back on every purchase, every day
Spark® Miles Select for Business
14.74%, 18.74% or 22.74% variable
0% for the first first 9 months (then 14.74%, 18.74% or 22.74% variable)
$0
Unlimited 1.5X miles per dollar on every purchase, every day
Spark® Miles for Business
18.74% variable
$0 annual fee for the first year ($95 thereafter)
Unlimited 2X miles per dollar on every purchase, every day
Spark® Cash Select for Business
14.74%, 18.74% or 22.74% variable
0% for the first 9 months (then 14.74%, 18.74% or 22.74% variable)
$0
Unlimited 1.5 cash back on every purchase, every day.
Capital One® Spark® Cash for Business
18.74% variable
$0 annual fee for the first year ($95 thereafter)
Unlimited 2% cash back from Spark Cash could mean thousands of dollars each year going back into your business. No minimum to redeem.
United MileagePlus® Explorer Business Card
17.74% to 24.74% variable
$0 annual fee for the first year ($95 thereafter)
50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
Southwest Rapid Rewards® Premier Business Credit Card
17.74% to 24.74% variable
$99
Earn 2x points on Southwest® purchases and 1x point on all other purchases. Plus 6,000 anniversary bonus points.
CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®
17.74% to 25.74% variable
$0 annual fee for the first year ($95 thereafter)
Earn 70,000 American Airlines AAdvantage® bonus miles after you spend $3,000 in purchases within the first 3 months of account opening.

Compare up to 4 providers

What size business is the Hawaiian Airlines® Business Mastercard® good for?

The Hawaiian Airlines® Business Mastercard® might be useful for small businesses that travel to Hawaii often. You earn miles for every purchase on your card, and you can redeem miles for flights, hotels, car rentals and more. If you fly even occasionally with a Hawaiian Airlines partner airline, you can do so with your miles.

Which partner airlines can I fly with HawaiianMiles?

Hawaiian Airlines partners with airlines that range from low-cost darling JetBlue to the top-rated Virgin Atlantic:

  • JetBlue. Redeem up to 50,000 miles for tickets valued at up to $419.
  • Korean Air. Redeem from 100,000 to 200,000 miles for round-trips between South Korea and the US.
  • Virgin Atlantic. Redeem from 60,000 to 160,000 miles for tickets from the UK to the US, depending on the class you fly.
  • Virgin Australia. Redeem from 100,000 to 200,000 miles for trips from Australia to international destinations, depending on the class you fly.

To redeem your HawaiianMiles on partner airlines, call the HawaiianMiles service center at 1-877-426-4537 weekdays from 7 a.m. to 4:30 p.m. HST.

Redeem miles for nontravel purchases

Turn your miles into rental cars, groceries, hotel stays and more:

  • Car rental gift certificates. Redeem 40,000 miles for up to $200 toward rentals at participating Avis and Budget locations in the US.
  • Foodland Hawaii gift certificates. Redeem 5,000 miles for a $25 gift certificate to shop this grocery chain committed to a better Hawaii.
  • Outrigger and OHANA Hotels in Hawaii. Redeem 15,000 miles for a $100 gift certificate that you can use to stay in Waikiki or near the airport.
  • Exchange for Hilton Honors Points. Transfer 10,000-mile increments to Hilton Honors Points at a rate of 1 HawaiianMile to 1.5 Hilton Honors Points. Your minimum 10,000 miles would equal 15,000 Hilton Honors Points when transferred.

What should I know before I apply?

To apply for the Hawaiian Airlines® Business Mastercard®, you must be either the owner or an authorized officer of your business. You must also be a permanent resident of the US.

In your application, you’ll provide personal and business details that include your:

  • Business name and address.
  • Years in business, number of employees and annual revenue.
  • Industry in which your business operates.
  • Personal information and annual income.

What credit score do I need?

You can apply with a good business credit score of 700 or higher. Businesses in good standing with a higher credit score might get a higher credit limit or lower APR.

What do customers say about the Hawaiian Airlines® Business Mastercard®?

We weren’t able to find many customer reviews on this card specifically. But the bank that backs this card, Barclays, earns an A+ from the Better Business Bureau, which has accredited the bank since 2001. Bank reviews on the BBB’s site earn Barclay’s 3.77 out of 5 stars.

Most negative feedback cites poor customer support. Some clients say the bank reduced their credit limit without prior notice and despite on-time payments. Carefully read the card’s terms and conditions to avoid any surprises.

How to apply for the Hawaiian Airlines® Business Mastercard®

  1. Visit the Barclays website and select the Hawaiian Airlines® Business Mastercard® from the list of business cards, then click Apply now.
  2. Complete the application form with information about yourself and your business.
  3. Review your application and submit it.

How long will it take to get my card?

Barclays usually approves credit card applications within a business day. If it requires more information, turnaround could be longer.

After approval, you’ll receive your card by mail within 10 business days. If you’re in a hurry, Barclays can expedite your card for a $15 fee.

I got the card. Now what?

  • Download the Barclays US app. Use this free app to see your FICO Score for free, set up automatic payments, sign up for alerts and manage your account.
  • Make timely payments. Avoid fees of up to $39 by paying at least your statement’s minimum on time.
  • Avoid fees and interest. This is among the rare business credit cards that don’t enforce a penalty APR. But you’ll still pay $5 or 3%, whichever is greater, for balance transfers and 3% or $10, whichever is greater, which is on the low end when compared with other cards charging up to 5% or $15.
  • Contact customer service. Call Barclays at 1-866-928-8598 with any questions. Or connect on Twitter at @AskBCUS.

How can I earn additional miles?

In addition to paying for miles, you can earn miles through airline, hotel and car rental partners that are part of the HawaiianMiles network.

Pay for miles

You can pay for miles in increments of 500, which can be useful if you need a specific number of miles to redeem a reward.

Fly with partners

You’ll earn miles by flying with Hawaiian Airlines partners that include:

  • Japan Airlines
  • Virgin Atlantic
  • Korean Air
  • JetBlue
  • China Airlines
Stay at partner hotels

Staying with specific hotel brands can also earn you miles. You’ll need to join the brand’s loyalty program and provide your HawaiianMiles membership number at check-in. Partner hotels include:

  • Marriott. Earn up to 2 miles per dollar.
  • Starwood. Earn 3 miles per dollar.
  • Hyatt. Earn up to 5,000 miles.
  • Hilton. Redeem 1.5 Hilton Honors Points for 1 HawaiianMile.
  • Alohilani Resort Waikiki Beach. Earn up to 1,500 miles per night.
  • Maui Coast Hotel. Earn 150 miles per night.
  • Prince Resorts Hawaii. Earn 5,000 miles and get your fourth night free.
Rent a car at partner brands

Get miles by renting a car from Avis, Budget or Payless and by shopping at specific locations in Hawaii.

Bottom line

The Hawaiian Airlines® Business Mastercard® might benefit the small business that travels often with Hawaiian Airlines or its partners. You can earn and redeem miles through flights, car rentals and hotels and get travel perks that include free checked bags and a discounted companion ticket, along with an easy signup bonus.

Before you apply for a credit card, consider other business card options to find one that best suits your business needs.

Frequently asked questions

Images: BarclayCardUS.com

Kliment Dukovski

"Kliment Dukovski is a writer for finder.com. He specializes in global financial markets and personal finance, with a focus on credit cards. His main goal is to deliver honest and accurate information that will help you make the right financial decision. When he's not writing about finance-related subjects he writes sci-fi stories."

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Privacy and Cookies Policy and Terms of Use.
Go to site