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Hawaiian Airlines review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Hawaiian Airlines charges an annual fee of $99 and returns much of it in airline value: free checked bags, companion fare discounts and points that share with family. It suits households that fly Hawaiian Airlines or Alaska Airlines and pay to check a bag on most trips.

Key facts

Best for
Households that fly these airlines often and pay to check a bag on most trips.
Annual fee
$99↗
Rewards type
Points↗
Rewards rate
3x Atmos Rewards points on eligible Hawaiian Airlines and Alaska Airlines purchases, 2x on gas, dining and grocery store purchases, 1x on all other purchases↗
Balance transfer intro period
15 months↗
Perks
2 free checked bags on eligible Hawaiian Airlines and Alaska Airlines operated flights for the primary cardmember, One-time 50% off companion discount for one published full main cabin round-trip fare, $100 companion discount after each account anniversary, valid 12 months, No foreign transaction fee on international purchases, Up to $100 annual statement credit for inflight purchases while an Atmos status member, 1 status point per $3 of net purchases toward Atmos Rewards status, Free Atmos Rewards points sharing with family and friends, No blackout dates on Hawaiian Airlines and Alaska Airlines awards↗
Legal entity
Bank of Hawaii↗
Headquarters
United States↗
Founded
1929↗
Features
Rewards
Official website
boh.com

Facts checked September 26, 2026, 4 sources

Apps and profiles

Elsewhere
WikidataWikipediaXLinkedInhawaiianbohcard.com

Pros and cons

Pros

  • A balance transfer offer of 15 gives a carried balance a runway.
  • The headline benefit is rewards, paid as points rather than cash.
  • An annual fee of $99 buys bag and companion fare value instead of cashback.
  • Issued by Bank of Hawaii, a bank based in the United States.

Cons

  • An annual fee of $99 is pure cost for anyone who does not fly the network.
  • Rewards are points for airline travel, and the strongest tier sits on airline purchases, so everyday spending earns only the base rate.

Ready to try Hawaiian Airlines?

Scored 9.0 / 10 by SumCue.

See alternatives

Who it suits

  • Households that fly Hawaiian Airlines or Alaska Airlines several times a year and check a bag on most trips.
  • Families who like pooling points, since sharing them is included.
  • Travellers who pay in other currencies, since international purchases carry no foreign transaction fee.

Who should look elsewhere

  • Anyone spending outside the airline network: bunq charges €0.
  • People rebuilding credit: Varo Believe Secured Credit Card charges $0.
  • Anyone after a plain low cost card: Wise charges £0.

The company behind it

The card is issued by Bank of Hawaii, a bank headquartered in the United States, while the airline lending its name was founded in 1929. The two sit side by side on one product: the bank holds FDIC cert 18053, so the credit agreement is with a regulated bank and the airline supplies the rewards and flight benefits.

How Hawaiian Airlines compares

Where Hawaiian Airlines is available

Available
United States
Licence in United States
FDIC (FDIC cert 18053), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does the card cost to keep?+

The card charges an annual fee of $99. There is no foreign transaction fee on international purchases, which is where airline co-brand cards often add a cost. The fee only earns its keep if the checked bags or companion discounts get used.

Is there a balance transfer offer?+

Yes. The introductory balance transfer period runs 15, giving a carried balance a runway before interest bites. This is a rewards card first, so the transfer offer is a bonus rather than the main event.

What do I earn on my spending?+

The rewards rate pays its strongest tier on eligible Hawaiian Airlines and Alaska Airlines purchases, a lower tier at gas, dining and grocery stores, and a base rate on everything else. What collects is points that convert into airline awards.

Do I earn cashback?+

No. Rewards come as points rather than cash, and the card's headline feature is rewards with its strongest tier on airline spend, so the points only turn into value if you travel.

What travel benefits come with the card?+

The primary cardmember gets free checked bags on eligible Hawaiian Airlines and Alaska Airlines operated flights, plus companion fare discounts and no blackout dates on those awards. The perks listed cover bags, companion discounts, a status statement credit and points sharing (2 free checked bags on eligible Hawaiian Airlines and Alaska Airlines operated flights for the primary cardmember, One time 50% off companion discount for one published full main cabin round trip fare and $100 companion discount after each account anniversary, valid 12 months).

Who issues the card?+

The issuer is Bank of Hawaii, a bank headquartered in the United States that holds FDIC cert 18053. The airline name is a rewards partnership rather than the lender, so the credit agreement is with the bank and the flight benefits sit on top of it.

Is it worth it if I do not fly much?+

Probably not. The annual fee of $99 is only worth paying if the bags and companion discounts get used, and the strongest rewards tier is limited to airline purchases. Where spending is ordinary, a card with no annual fee is the better buy.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Currency conversion fee.

Hawaiian Airlines

Households that fly these airlines often and pay to check a bag on most trips.

9.0/10See alternatives