Hawaiian Airlines® World Elite Business Mastercard® from Barclays Bank Delaware Review

The Hawaiian Airlines® World Elite Business Mastercard® from Barclays Bank Delaware is a credit card designed for business owners who frequently travel to Hawaii and want to earn miles for their purchases. In this review, we will delve into the key features, benefits, pros and cons of the card, APR rates, fees, and our overall assessment. As a financial expert, I will also provide unique insights to help you decide if this card aligns with your business needs.

Hawaiian Airlines® World Elite Business Mastercard® Review

Overview

The Hawaiian Airlines® World Elite Business Mastercard® is a travel rewards credit card that offers substantial benefits for small business owners, particularly those who often travel to Hawaii or utilize Hawaiian Airlines. With a robust rewards program that includes 2x miles on gas, dining, and office supply store purchases, and 1x miles on all other purchases, this card is tailored to maximize your business expenditures. Additionally, the card offers an attractive sign-up bonus and several travel-related perks, albeit with a $99 annual fee.

Rewards Structure

The rewards structure is straightforward and appealing for those who spend significantly on specific categories:
– 2x Miles on Gas, Dining, and Office Supply Store Purchases: These categories are common for business expenses, making it easier to accumulate miles quickly.
– 1x Miles on All Other Purchases: All other purchases earn a standard rate of 1 mile per dollar spent, ensuring continuous rewards accumulation.

Sign-Up Bonus

One of the highlights of this card is the generous sign-up bonus:
– 60,000 Bonus HawaiianMiles®: After spending $2,000 on purchases in the first 90 days, cardholders receive 60,000 bonus miles. This is a substantial offer that can significantly reduce the cost of future flights.

Additional Bonuses

The card also offers annual bonuses based on spending:
– 40,000 Miles: If you spend $50,000 – $99,999 in annual purchases.
– 20,000 Miles: If you spend $100,000 or more in annual purchases.

APR and Fees

The APR rates and fees associated with this card are as follows:
– Purchase APR: 21.24% – 29.99% Variable
– Balance Transfers APR: 21.24% – 29.99% Variable
– APR for Cash Advances: 29.99% Variable
– Annual Fee: $99 annually
– Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
– Cash Advance Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
– Return Payment Fee: $39
– Late Payment Fee: For account balances less than $250: $19; for account balances equal to or greater than $250: $39

Hawaiian Airlines® World Elite Business Mastercard® Key Takeaways

– Generous Sign-Up Bonus: 60,000 bonus miles after spending $2,000 in the first 90 days.
– Reward Rates: 2x miles on gas, dining, and office supply store purchases; 1x miles on all other purchases.
– Annual Bonuses: Additional miles (up to 40,000) based on annual spending.
– Annual Fee: $99, which is relatively modest considering the benefits.
– High APR Rates: Variable rates between 21.24% – 29.99%, which are on the higher side.
– No Foreign Transaction Fees: An essential feature for international business travel.

Hawaiian Airlines® World Elite Business Mastercard® Pros and Cons

Pros

– No Foreign Transaction Fees: Ideal for international travel, ensuring that you do not incur additional costs when making purchases abroad.
– Robust Sign-Up Bonus: The 60,000 bonus miles can significantly reduce travel expenses, making it an attractive offer for new cardholders.
– Reward Rates: Earning 2x miles on common business expenditure categories like gas, dining, and office supplies can help accumulate miles quickly.
– Annual Bonuses: Additional miles for high spenders can be a compelling incentive for businesses with substantial expenses.
– Travel Perks: Various travel-related benefits, including priority boarding and discounted companion tickets, enhance the travel experience.

Cons

– Annual Fee: The $99 annual fee may be a deterrent for some, although it is relatively modest compared to the potential rewards.
– High APR Rates: The variable APR rates (21.24% – 29.99%) are quite high, making it less ideal for those who carry a balance.
– No Intro APR Period: The absence of an introductory APR period for purchases or balance transfers may not appeal to those looking to finance large purchases or consolidate debt.

Hawaiian Airlines® World Elite Business Mastercard® Benefits

Travel Perks

– Priority Boarding: Cardholders enjoy priority boarding on Hawaiian Airlines flights, ensuring a more relaxed start to their journey.
– Discounted Companion Ticket: An annual discounted companion ticket allows cardholders to bring a companion along on a Hawaiian Airlines flight at a reduced rate.
– Free Checked Bag: Cardholders and their companions on the same reservation receive one free checked bag, saving costs on baggage fees.

Business Management Tools

– Expense Management: The card offers tools to help manage and track business expenses, making it easier to monitor spending and optimize the use of rewards.
– Employee Cards: Businesses can issue employee cards at no additional cost, enabling employees to earn miles on business expenses.

Security Features

– Fraud Protection: Advanced security features and fraud protection help safeguard your account against unauthorized transactions.
– Zero Liability Protection: Cardholders are not held responsible for unauthorized purchases, providing peace of mind.

Customer Service

– Dedicated Support: Cardholders have access to dedicated customer service, ensuring prompt and efficient assistance with any issues or inquiries.

Conclusion

The Hawaiian Airlines® World Elite Business Mastercard® from Barclays Bank Delaware is a compelling option for business owners who frequently travel to Hawaii or utilize Hawaiian Airlines. The card offers a robust rewards program, a generous sign-up bonus, and a range of travel-related perks that can enhance the travel experience and provide significant value.
However, the card’s high APR rates and the $99 annual fee may be a drawback for some. It is essential to consider your business’s spending habits and travel needs to determine if this card aligns with your objectives.
Overall, if you are a business owner with significant spending on gas, dining, and office supplies, and you frequently travel to Hawaii, the Hawaiian Airlines® World Elite Business Mastercard® can be a valuable addition to your financial toolkit. The rewards and benefits can offset the annual fee and provide substantial savings on travel expenses, making it a worthwhile investment for the right business.
When evaluating this card, it is crucial to consider your business’s financial habits and travel patterns. If the rewards and perks align with your needs, the Hawaiian Airlines® World Elite Business Mastercard® can be an excellent choice to maximize your business expenditures and enhance your travel experiences.