The Hawaiian Airlines Business Mastercard's strongest selling point is its 50,000-mile welcome offer after $4,000 in spend within 3 months, a solid haul for a $99 annual fee. Ongoing earn is 3 miles per dollar on Hawaiian Airlines and Alaska Airlines purchases only, 2 miles on gas, dining, and office supplies, and 1 mile on everything else, with no foreign transaction fees. Heavy spenders get extra value from the annual spend bonuses: 20,000 Atmos Rewards points after $50,000 in a calendar year, or 40,000 after $100,000. The tradeoff is that outside those airline purchases the earn rates are ordinary, so this only makes sense if your business flies Hawaiian or Alaska often enough to use the miles. The one-time 50% off companion discount for roundtrip main cabin travel is a nice extra but won't justify the fee on its own.
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 |