Miles · Mastercard · $99 annual fee
Last verified 2026-09-09. Review issuer source
Barclays Hawaiian Airlines World Elite Mastercard is a $99-a-year miles card from Barclays. Its best everyday rates are 2x on dining, 2x on gas stations, and 2x on grocery stores; everything else earns 1x. There is also 3x on Alaska Airlines, a single-merchant rate. Rewards are Alaska Airlines Atmos Rewards miles that only spend inside that program, so we value them at roughly a third of a cent each.
On our reference budget of $24,600 a year it earns $122, which clears the $99 fee with $23 to spare before any credits or perks. The welcome bonus, 80,000 miles after $2,500 in 90 days, is the strongest reason to open it in a given year.
Get it if you already fly or stay with Alaska Airlines Atmos Rewards often enough to use the free checked bag. A general travel card earns points that go more places.
3x MILES ON ELIGIBLE ALASKA AIRLINES PURCHASES
2x MILES ON DINING
2x MILES ON GAS
2x MILES ON ELIGIBLE GROCERY STORE PURCHASES
3x MILES ON ELIGIBLE HAWAIIAN AIRLINES PURCHASES
Earn 80,000 bonus HawaiianMiles after spending $2,500 on purchases within the first 90 days.
Receive a one-time 50%-off companion discount for roundtrip coach travel between Hawaii and North America on Hawaiian Airlines.
$100 companion discount for roundtrip travel between Hawaii and North America on Hawaiian Airlines for each account anniversary.
Two free checked bags on eligible flights for the primary cardmember when you use your card to purchase tickets directly from Hawaiian Airlines. That’s a value of up to $140 per roundtrip.
These come from Mastercard, not from Barclays. Every card on the World Elite Mastercard tier carries them, so they should not decide between two cards.
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
Enroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Groceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+. Offer expires 1/31/2027.
More rides means more adventure. Take three rides in a month with Lyft to earn a $5 credit.3* Plus, save 10% on all scheduled rides to or from U.S. airports when you pay with your World Elite or World Legend Mastercard. Offer expires 1/31/2027.
Get exclusive PGA TOUR® experiences and access amazing golf benefits with our Golf Concierge Service.
Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard gives you exclusive access to premium preferred seats and ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
Save when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Browse exclusive Mastercard benefits, book travel, get hotel upgrades and more.
Get $3 off Peacock Premium or Peacock Premium Plus each month when you use your World Elite or World Legend Mastercard to subscribe. Watch new movies from theaters, buzzworthy original series, hit TV shows, live sports and so much more. Eligibility restrictions, exclusions and terms apply. Offer expires 12/31/2027.
Enjoy experiences in culture, dining, sports, entertainment and more in over 45 exciting destinations around the globe.
With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Complimentary 24/7 concierge agent for lifestyle needs, travel bookings and event access.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Hawaiian Airlines® World Elite Mastercard®This card · 2x on dining | $99 | $122 | +$23 | 1047th of 1,291 |
| The AARP® Travel Rewards Mastercard®Barclays's most-held other card · 3% on airfare | None | $342 | +$342 | 519th of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
