Hawaiian Airlines card vs. Hawaiian Airlines Business card: Which is right for you?

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Although it has a strong route network along the West Coast and flies not one but two of the longest domestic flights in the world (and serves some great mai tais), Hawaiian Airlines still gets short-changed in discussions of U.S. airlines.

For travelers based in Hawaii, the airline’s cobranded credit cards are well worth considering. But even if you only take a vacation there once every year or two, you can still get a lot of value from carrying either the Hawaiian Airlines® World Elite Mastercard® or the Hawaiian Airlines® Business Mastercard®. Both offer some great bonus spending categories and anniversary benefits, not to mention one-time companion deals and discounted awards.

Let’s take a closer look at both cards so you can decide which one might be better for you.

The information for the Hawaiian Airlines Mastercard and Hawaiian Airlines Business Mastercard has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Hawaiian Airlines vs. Hawaiian Airlines Business comparison

2 miles per dollar on gas, dining and eligible grocery stores

1 mile per dollar on everything else3 miles per dollar on Hawaiian Airlines purchases

2 miles per dollar on gas, dining and office supply stores

1 mile per dollar on everything elseBenefits$100 annual companion discount

Two free checked bags

One-time 50% companion discount

No foreign exchange feesEarn 20,000 bonus miles with $50,000-$99,999 in annual purchases

Earn 40,000 bonus miles (in total) with $100,000 or more in annual purchases

One-time 50% off companion discount

No foreign exchange fees

Hawaiian Airlines vs. Hawaiian Airlines Business welcome offer

Right now, the Hawaiian Airlines World Elite Mastercard is offering a welcome bonus of 60,000 miles after spending $2,000 on the card in the first 90 days of account opening.

The Hawaiian Airlines Business, meanwhile, offers a total of 70,000 miles: 60,000 miles after spending $2,000 in the first 90 days from opening the account, plus an additional 10,000 bonus miles when you add an employee card within the first 30 days and make a purchase with that card in the first 90 days.

These are both pretty standard offers for the cards’ respective histories and can easily be taken advantage of with a relatively low spending requirement.

Winner: Tie. The Hawaiian Airlines Business offers 10,000 more points but requires an additional employee card.

Related: This month’s best welcome offers

Hawaiian Airlines vs. Hawaiian Airlines Business benefits

You’ll get these perks with either card:

Beyond these perks, the Hawaiian Airlines personal card comes with two valuable benefits:

The Hawaiian Airlines Business, meanwhile, allows you to earn 20,000 bonus miles with $50,000-$99,999 in annual purchases, plus an additional 20,000 bonus miles (for 40,000 in total) with $100,000 or more in annual purchases.

Winner: The Hawaiian Airlines personal card. It comes with more benefits at the same cost to cardholders.

Related: Get free checked bags with these credit cards

Earning miles with the Hawaiian Airlines vs. Hawaiian Airlines Business

Both of these cards accrue 3 miles per dollar on Hawaiian Airlines purchases, which puts them ahead of many other cobranded airline credit cards.

Both also earn 2 miles per dollar on gas and dining purchases. However, the business card earns 2 miles per dollar at office supply stores, while the personal version earns 2 miles per dollar at grocery stores instead. Both earn 1 mile per dollar everywhere else.

Both cards have broad bonus categories that will appeal to many consumers.

The business card is definitely geared more for business use thanks to that office-supply category, while the personal version rounds out its earning potential with a third major category, supermarkets. These cards have not one but four bonus spending areas, making them exceptional potential earners.

Winner: Tie. The earning rates you prefer will come down to whether you spend more at office stores or grocery stores each year.

Related: The best credit cards for each bonus spending category

Redeeming miles with the Hawaiian Airlines vs. Hawaiian Airlines Business

Hawaiian Airlines has a dynamic pricing system, but it also publishes an award chart that lists the price ranges into which awards will fall. You can also redeem your Hawaiian Airlines miles for JetBlue, Japan Airlines, Virgin Australia and Virgin Atlantic flights.

Each partner has a separate award chart, which can be viewed here. TPG writer Ryan Wilcox recommends round-trip Korean Air awards within Asia for 30,000 miles in economy or 60,000 miles in business class and round-trip business-class flights with Virgin Atlantic between the U.K. and the east coast of North America for 125,000 miles.

Lastly, your Hawaiian Airlines miles can be transferred to Marriott Bonvoy at a 2:1 ratio. TPG values Bonvoy points at .84 cents each, so you’ll get far less value from this option, but it’s still viable if you prefer Marriott.

Winner: Tie. The cards have identical redemption options.

Related: The best ways to redeem points and miles on Hawaiian Airlines

Should I get the Hawaiian Airlines or Hawaiian Airlines Business?

Most consumers will get more value from the personal Hawaiian Airlines card since it has a $100 annual companion discount and two free checked bags. However, the Hawaiian Airlines Business card will make more sense for you if you won’t maximize those benefits and can hit the spending thresholds to earn the 40,000 bonus miles.

Bottom line

Both the Hawaiian Airlines World Elite Mastercard and the Hawaiian Airlines Business Mastercard are viable card options that offer substantial value for those who fly a lot with the airline and want to start racking up value. It might even make sense for you to get both cards.

For more details, please see our full reviews of the Hawaiian Airlines World Elite Mastercard and the Hawaiian Airlines Business Mastercard.

The information for the Hawaiian Airlines Mastercard and Hawaiian Airlines Business Mastercard has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.