Hawaiian Airlines® World Elite Mastercard®

The Hawaiian Airlines World Elite Mastercard is worth it if you regularly book Hawaiian flights and can use the free checked bag benefit. For the right traveler, that alone can go a long way toward covering the $99 annual fee, and the elevated earning on Hawaiian purchases gives loyal customers an easy way to build more miles.

For most other readers, this is a fairly narrow airline card. The everyday bonus categories are decent but not hard to beat, and the card does not come with the broader travel perks that often justify keeping an airline card long term. If Hawaiian is one of your main airlines, the card makes sense. If you want flexible rewards or premium travel features, you will likely get better long-term value elsewhere.