Hawaii National Bank Visa® Travel Rewards+
The Hawaii National Bank Visa® Travel Rewards+ from Hawaii National Bank earns up to 4% effective value on gas in Madeen's catalog snapshot. Its annual fee is $99. New applicants may see: Earn $250 bonus reward (25,000 points) after you spend $2000 within first 120 days of account opening.. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Gas
- Effective value
- 4%
- Annual fee
- $99
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Hawaii National Bank Visa Travel Rewards+ earn in each category?
Gas is the strongest category at 4% effective value (4x points at about 1 cents each). That gas rate ranks higher than about 86% of the 1,551 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Gas is the strongest category at 4% effective value (4x points at about 1 cents each). That gas rate ranks higher than about 86% of the 1,551 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1.5x points | 1.5% |
| Grocery Supermarkets and grocery stores | 1.5x points | 1.5% |
| Gas Gas stations and fuel | 4x points | 4% Top category |
| Travel Flights, hotels, transit | 1.5x points | 1.5% |
| Other General everyday spend | 1.5x points | 1.5% |
Madeen values Elan Rewards at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Hawaii National Bank Visa Travel Rewards+ reward caps and conditions?
The Hawaii National Bank Visa Travel Rewards+ has 1 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- 4x unlimited points on travel, gas stations, electric vehicle charging stations, entertainment, and recreation purchases
Who should get the Hawaii National Bank Visa Travel Rewards+?
The Hawaii National Bank Visa Travel Rewards+ fits spenders who put meaningful volume in gas and can earn 4x points. Best for spenders who put meaningful volume in gas and can earn 4x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Hawaii National Bank Visa Travel Rewards+ fits spenders who put meaningful volume in gas and can earn 4x points. Madeen ranks its gas effective rate higher than about 86% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in gas and can earn 4x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for gas-heavy spend when the $99 fee fits your usage; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is gas at about 4% effective (4x points).
- That gas rate ranks higher than about 86% of cards we track in the category.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $99 annual fee requires enough spend in bonus categories to offset.
- Elan Rewards value depends on how you redeem, not straight cash back.
Does the Hawaii National Bank Visa Travel Rewards+ have an annual fee, and what's the welcome bonus?
The Hawaii National Bank Visa Travel Rewards+ has an annual fee of $99 and a foreign transaction fee of None. New applicants may see: Earn $250 bonus reward (25,000 points) after you spend $2000 within first 120 days of account opening.. Confirm current issuer terms before applying.
- Annual fee
- $99
- Foreign transaction fee
- None
- Signup bonus
- Earn $250 bonus reward (25,000 points) after you spend $2000 within first 120 days of account opening. First-year annual fee waived.
What travel perks does the Hawaii National Bank Visa Travel Rewards+ include?
The Hawaii National Bank Visa Travel Rewards+ includes Lounge access, Booking.com, Dovly Uplift™, Global Entry Statement Credit in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Lounge accessComplimentary Priority Pass™ Select membership with access to more than 1,300 VIP lounges worldwide.
What benefits come with the Hawaii National Bank Visa Travel Rewards+?
- Booking.comIncluded with Visa Signature®
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.
- Dovly Uplift™Included with Visa Signature®
Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
- Global Entry Statement CreditIncluded with Visa Signature®
Apply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Signature card to pay the application fee (currently $120) to receive a $120 statement credit.
- Golf Benefits from Troon Rewards®Included with Visa Signature®
Enjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
- ID Navigator Powered by NortonLifeLock
Provides tools so you can act quickly if your identity is threatened.
- Lounge Access
Complimentary Priority Pass™ Select membership with access to more than 1,300 VIP lounges worldwide.
- OpenTableIncluded with Visa Signature®
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
- Priority Pass airport lounge accessIncluded with Visa Signature®
Enjoy access to over 1,700 airport lounges and experiences around the globe.
Common questions about the Hawaii National Bank Visa Travel Rewards+
Does the Hawaii National Bank Visa Travel Rewards+ have an annual fee?
The Hawaii National Bank Visa Travel Rewards+ carries an annual fee of $99 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Hawaii National Bank Visa Travel Rewards+?
Gas is the strongest Madeen category for the Hawaii National Bank Visa Travel Rewards+ at about 4% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Hawaii National Bank Visa Travel Rewards+ charge foreign transaction fees?
The Hawaii National Bank Visa Travel Rewards+ does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the Hawaii National Bank Visa Travel Rewards+ welcome bonus?
The Hawaii National Bank Visa Travel Rewards+ welcome offer in our snapshot: Earn $250 bonus reward (25,000 points) after you spend $2000 within first 120 days of account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
Is the Hawaii National Bank Visa Travel Rewards+ annual fee worth it?
Whether the $99 annual fee pays off depends on how much you spend in gas and whether you use the card's benefits. Madeen compares effective rates across the cards you already carry without bank login. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the Hawaii National Bank Visa Travel Rewards+?
Madeen's catalog lists a typical credit range of Good to Excellent for the Hawaii National Bank Visa Travel Rewards+. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Hawaii National Bank Visa Travel Rewards+ compare to similar cards?
Compare the Hawaii National Bank Visa Travel Rewards+ against Hawaii National Bank Visa Max Cash Preferred (5% on Other, $0 fee); Hawaii National Bank Visa Everyday Rewards+ (4% on Dining, $0 fee); Hawaii National Bank Visa Business Cash Preferred (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Hawaii National Bank Visa Travel Rewards+ This card | Gas | 4% | $99 |
Hawaii National Bank | Other | 5% | $0 |
Hawaii National Bank | Dining | 4% | $0 |
Hawaii National Bank | Dining | 3% | $0 |
Hawaii National Bank | Dining | 2% | $390 |
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