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

The Hawaiian Airlines® World Elite Mastercard® from Barclays Bank Delaware is a co-branded credit card that offers a robust rewards program, primarily aimed at frequent travelers of Hawaiian Airlines. With enticing bonus miles, generous ongoing rewards rates, and travel-specific perks, this card is designed to maximize the value for those who frequently fly with Hawaiian Airlines. However, it comes with an annual fee and a moderately high variable APR, which may not suit every budget. In this review, we will delve deep into the features, benefits, and potential drawbacks of this card, so you can make an informed decision about adding it to your wallet.

Hawaiian Airlines® World Elite Mastercard® Key Takeaways

Before we dive into the nitty-gritty details, here are the key takeaways of the Hawaiian Airlines® World Elite Mastercard®:
– Bonus Miles: Earn 60,000 HawaiianMiles after spending $2,000 on purchases within the first 90 days.
– Rewards Rates: 3x HawaiianMiles on eligible Hawaiian Airlines purchases, 2x HawaiianMiles on gas, dining, and eligible grocery store purchases, and 1x HawaiianMiles on all other purchases.
– Travel Perks: First checked bag free, 50% companion discount, and $100 companion discount annually for roundtrip travel between Hawaii and North America.
– Annual Fee: $99 annually.
– APR: 21.24% – 29.99% variable for purchases, balance transfers, and cash advances.
– Credit Score Requirement: Good to Excellent (670-799).

Hawaiian Airlines® World Elite Mastercard® Pros and Cons

Pros:

1. Generous Bonus Offer: The 60,000 bonus HawaiianMiles can significantly reduce the cost of your next Hawaiian Airlines flight.
2. High Rewards Rates: Earn 3x miles on Hawaiian Airlines purchases and 2x miles on essential categories like gas, dining, and groceries.
3. Travel Perks: Free checked bags, companion discounts, and no foreign transaction fees make this card a travel-friendly option.
4. No Foreign Transaction Fees: Ideal for international travelers, as you won’t incur additional charges on overseas purchases.

Cons:

1. Annual Fee: The $99 annual fee may be a deterrent for some users, especially those who don’t travel frequently.
2. High APR: The variable APR ranges from 21.24% to 29.99%, which is relatively high and can lead to significant interest charges if you carry a balance.
3. Limited Airline-Specific Benefits: The card’s primary benefits are centered around Hawaiian Airlines, which may not be useful for those who don’t frequently fly with this airline.
4. No Introductory APR: There is no introductory APR period for purchases or balance transfers, which might be a drawback for those looking to finance large purchases or consolidate debt.

Hawaiian Airlines® World Elite Mastercard® Benefits

Bonus HawaiianMiles

One of the most attractive features of the Hawaiian Airlines® World Elite Mastercard® is the ability to earn 60,000 bonus HawaiianMiles after spending $2,000 on purchases within the first 90 days of account opening. This sign-up bonus can be a substantial value, especially if you redeem the miles for high-value flights with Hawaiian Airlines.

Reward Rates

The ongoing rewards program is designed to offer great value across several spending categories:
– 3x HawaiianMiles on Eligible Hawaiian Airlines Purchases: This high rewards rate makes it easy to rack up miles quickly if you frequently fly with Hawaiian Airlines.
– 2x HawaiianMiles on Gas, Dining, and Eligible Grocery Store Purchases: These everyday spending categories ensure you earn miles even when you’re not traveling.
– 1x HawaiianMiles on All Other Purchases: While not as lucrative, this base rate still allows you to earn miles on every purchase.

Travel Perks

The Hawaiian Airlines® World Elite Mastercard® comes with several travel-specific benefits that can enhance your flying experience:
– First Checked Bag Free: For the primary cardmember, when you use your card to purchase eligible tickets directly from Hawaiian Airlines, you can save on baggage fees.
– 50% Companion Discount: Enjoy a 50% discount on one companion fare for roundtrip travel between Hawaii and North America on Hawaiian Airlines.
– $100 Companion Discount Annually: After each account anniversary, you receive a $100 discount for a companion ticket for roundtrip travel between Hawaii and North America.
– No Foreign Transaction Fees: Travel internationally without worrying about additional charges on your purchases.

Rates and Fees

Understanding the rates and fees associated with the Hawaiian Airlines® World Elite Mastercard® is crucial for managing costs:
– Annual Fee: $99 annually.
– Purchase APR: 21.24% – 29.99% variable.
– Balance Transfer APR: 21.24% – 29.99% variable.
– Cash Advance APR: 29.99% variable.
– Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
– Cash Advance Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.
– Late Payment Fee: Up to $40.
– Returned Payment Fee: Up to $40.

Additional Features

The card also includes several additional features that enhance its value:
– Extended Warranty Protection: Extend the manufacturer’s warranty on eligible purchases by up to an additional year.
– Purchase Protection: Protect eligible purchases against damage or theft for up to 90 days.
– Travel Accident Insurance: Receive coverage in the event of accidental death or dismemberment while traveling.
– Auto Rental Collision Damage Waiver: Coverage for rental car damage due to collision or theft when you use your card to pay for the rental.

Conclusion

The Hawaiian Airlines® World Elite Mastercard® from Barclays Bank Delaware is a compelling choice for those who frequently fly with Hawaiian Airlines and want to maximize their travel rewards. The generous sign-up bonus, high rewards rates on both travel and everyday purchases, and valuable travel perks make it a strong contender in the airline credit card market.
However, the $99 annual fee and high variable APR may not be suitable for everyone, especially those who don’t travel often or carry a balance. Additionally, the card’s benefits are heavily tied to Hawaiian Airlines, which may limit its appeal to travelers who prefer other airlines or need more flexible travel rewards.
Ultimately, if you’re a loyal Hawaiian Airlines flyer looking for a way to earn miles quickly and enjoy exclusive travel perks, the Hawaiian Airlines® World Elite Mastercard® is worth considering. Just be sure to weigh the costs and benefits carefully to ensure it’s the right fit for your financial needs and travel habits.