The Hawaiian Airlines Business Mastercard opens with 50,000 bonus miles after $4,000 of spending in three months, an easy target for most businesses and the clearest reason to apply. Beyond the bonus it earns 3x on Hawaiian Airlines and Alaska Airlines purchases only, with 2x at gas, dining, and office supplies, and 1x on everything else, so day-to-day business spending is not especially well paid. The $99 annual fee is a real commitment, and the annual spend bonuses that might offset it are set high: 20,000 Atmos Rewards points at $50,000 of calendar-year purchases, or 40,000 points at $100,000 instead. A one-time 50% off companion discount for roundtrip main cabin travel is a nice first-year sweetener, but it is one time only. There is no foreign transaction fee, which helps on Pacific routes, but the card only makes sense if your business actually flies Hawaiian or Alaska with some regularity.
Earn rates & credits
| Category | Rate |
|---|---|
Airlines Hawaiian Airlines and Alaska Airlines purchases | 3x |
Gas | 2x |
Dining | 2x |
Office Supply Stores | 2x |
Everything Else | 1x |
| Benefit | Value |
|---|---|
Annual Spend Bonus (20k) 20,000 bonus Atmos Rewards points after spending $50,000 in purchases each calendar year | 20,000 points /yr |
Annual Spend Bonus (40k) Additional 40,000 bonus Atmos Rewards points after spending $100,000 or more in purchases each calendar year (in lieu of the 20k tier) | 40,000 points /yr |
One-Time 50% Off Companion Discount One-time 50% off companion discount for roundtrip main cabin travel on eligible flights | 50% |
| Total annual credits | 60,000 points |
Card details
Regular APR | 19.49%–29.49% variable |
Foreign transaction fee | None |