Card comparison
Which card is better between Hawaiian Airlines World Elite Mastercard and Bank of America Premium Rewards Elite?
Hawaiian Airlines World Elite Mastercard is the better overall pick over Bank of America Premium Rewards Elite because it leads on Madeen's weighted scorecard (62 vs 38) across categories, bonus, benefits, and fee.
Effective rate Hawaiian Airlines World Elite Mastercard
Annual fee Hawaiian Airlines World Elite Mastercard
Welcome bonus Hawaiian Airlines World Elite Mastercard
Benefits value Bank of America Premium Rewards Elite
Hawaiian Airlines World Elite Mastercard is the stronger overall pick between Hawaiian Airlines World Elite Mastercard and Bank of America Premium Rewards Elite because it leads on Madeen's weighted scorecard (62 vs 38) across categories, bonus, benefits, and fee. Hawaiian Airlines World Elite Mastercard and Bank of America Premium Rewards Elite split the win across categories, fees, and bonuses. Madeen's snapshot favors checking dining, grocery, and travel rows — not just each card's headline top category — before you pick.
Choose A if
Choose Hawaiian Airlines World Elite Mastercard when its strongest categories, bonus, or perks match how you actually spend.
Choose B if
Choose Bank of America Premium Rewards Elite when the fee, welcome bonus, or issuer ecosystem fits better than the headline winner.
Full comparison
How do Hawaiian Airlines World Elite Mastercard and Bank of America Premium Rewards Elite compare across all spend categories?
Across all five spend categories, Hawaiian Airlines World Elite Mastercard and Bank of America Premium Rewards Elite trade wins row by row. Hawaiian Airlines World Elite Mastercard peaks at 3.6% effective; Bank of America Premium Rewards Elite peaks at 2%. Hawaiian Airlines World Elite Mastercard wins the headline effective-rate view in this pair.
| Category / metric | Hawaiian Airlines World Elite Mastercard | Bank of America Premium Rewards Elite | Winner |
|---|---|---|---|
| Dining | 2x miles (3.6%) | 2x points (2%) | Hawaiian Airlines World Elite Mastercard · 1.6 pts |
| Grocery | 2x miles (3.6%) | 1.5x points (1.5%) | Hawaiian Airlines World Elite Mastercard · 2.1 pts |
| Gas | 2x miles (3.6%) | 1.5x points (1.5%) | Hawaiian Airlines World Elite Mastercard · 2.1 pts |
| Travel | 1x miles (1.8%) | 1.5x points (1.5%) | Hawaiian Airlines World Elite Mastercard · 0.3 pts |
| Other | 1x miles (1.8%) | 1.5x points (1.5%) | Hawaiian Airlines World Elite Mastercard · 0.3 pts |
| Welcome bonus | ~$1440 estimated | ~$750 estimated | Hawaiian Airlines World Elite Mastercard |
| Est. annual benefits | $384/yr | $1079/yr | Bank of America Premium Rewards Elite |
| Annual fee | $99 | $550 | Hawaiian Airlines World Elite Mastercard |
| Holistic overall | 62 pts (cat 30, bonus 13, benefits 7, fee 12) | 38 pts (cat 10, bonus 7, benefits 18, fee 3) | Hawaiian Airlines World Elite Mastercard |
Madeen take
How to think about this pair
Hawaiian Airlines World Elite Mastercard and Bank of America Premium Rewards Elite split the win across categories, fees, and bonuses. Madeen's snapshot favors checking dining, grocery, and travel rows — not just each card's headline top category — before you pick a primary wallet card.
Strategy
Use Hawaiian Airlines World Elite Mastercard when Best for spenders who put meaningful volume in dining and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement.. Use Bank of America Premium Rewards Elite when Best for spenders who put meaningful volume in dining and can earn 2x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may.
Welcome bonus playbook
If you are chasing a welcome bonus, Hawaiian Airlines World Elite Mastercard leads on catalog bonus value. For long-term category earn after the bonus, Bank of America Premium Rewards Elite is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend.
Madeen analysis
Which card has stronger benefits: Hawaiian Airlines World Elite Mastercard or Bank of America Premium Rewards Elite?
Madeen estimates $384 annual benefit value on Hawaiian Airlines World Elite Mastercard versus $1079 on Bank of America Premium Rewards Elite. Credits only matter if you will use them.
Hawaiian Airlines World Elite Mastercard
Total est. value: $384/yr
Credits and perks only help if you will actually use them in a typical year.
- $100 Companion Discount $100/yr
- Priority Pass $99/yr
- Two Free Checked Bags $60/yr
- World Elite Concierge $25/yr
- Global emergency services $10/yr
Bank of America Premium Rewards Elite
Total est. value: $1,079/yr
Credits and perks only help if you will actually use them in a typical year.
- $300 airline incidental credit $300/yr
- $150 lifestyle credit $150/yr
- Global Entry Statement Credit $120/yr
- Priority Pass™ Select Membershipp $99/yr
- Lost Luggage Reimbursement $35/yr
Welcome bonus
Which welcome bonus is stronger for Hawaiian Airlines World Elite Mastercard or Bank of America Premium Rewards Elite?
If you are chasing a welcome bonus, Hawaiian Airlines World Elite Mastercard leads on catalog bonus value. For long-term category earn after the bonus, Bank of America Premium Rewards Elite is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend. Hawaiian Airlines World Elite Mastercard lists 80k Alaska Airlines Atmos Rewards; Bank of America Premium Rewards Elite lists 75k Bank of America points.
Hawaiian Airlines World Elite Mastercard
80k Alaska Airlines Atmos Rewards
Bank of America Premium Rewards Elite
75k Bank of America points
Caps & conditions
Caps and earn limits
Both Hawaiian Airlines World Elite Mastercard and Bank of America Premium Rewards Elite carry structured reward caps in the catalog. Compare the category that matters most before assuming the headline multiplier lasts all year.
Hawaiian Airlines World Elite Mastercard
- 2x MILES ON DINING
- 2x MILES ON GAS
- 2x MILES ON ELIGIBLE GROCERY STORE PURCHASES
Bank of America Premium Rewards Elite
- Earn unlimited 2 points for every $1 spent on dining purchases
Who should pick which
Scenario playbook
Cashback-first user
Pick Hawaiian Airlines World Elite Mastercard
Hawaiian Airlines World Elite Mastercard is the better cashback-style pick because it has the cleaner effective-rate and fee blend for this pair.
Travel & points user
Pick Hawaiian Airlines World Elite Mastercard
Hawaiian Airlines World Elite Mastercard is the stronger travel-style pick because it combines better reward value with more travel-friendly positioning.
No annual fee priority
Pick Hawaiian Airlines World Elite Mastercard
Hawaiian Airlines World Elite Mastercard is easier to keep for no-fee users because it has the lighter annual-fee burden in this pair.
Heavy dining spend
Pick Hawaiian Airlines World Elite Mastercard
For restaurant and dining-coded spend, the winner is whoever posts the stronger dining effective rate after caps and exclusions — see the category matrix for the current snapshot.
Heavy grocery spend
Pick Hawaiian Airlines World Elite Mastercard
Supermarket and grocery coding can differ from superstores and delivery, so compare the grocery row before you optimize a weekly shopping basket.
Welcome bonus chaser
Pick Hawaiian Airlines World Elite Mastercard
If you are chasing a welcome bonus, Hawaiian Airlines World Elite Mastercard leads on catalog bonus value. For long-term category earn after the bonus, Bank of America Premium Rewards Elite is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend.
Fee-sensitive keeper
Pick Hawaiian Airlines World Elite Mastercard
When you want the card that is easiest to keep year two, annual fee often matters more than a narrow category edge.
Decision guide
Which card is better between Hawaiian Airlines World Elite Mastercard and Bank of America Premium Rewards Elite?
Hawaiian Airlines World Elite Mastercard is the better overall pick because it leads on Madeen's weighted scorecard (62 vs 38) across categories, bonus, benefits, and fee. Hawaiian Airlines World Elite Mastercard and Bank of America Premium Rewards Elite split the win across categories, fees, and bonuses. Madeen's snapshot favors checking dining, grocery, and travel rows — not just each card's headline top category — before you pick a primary wallet card.
When should you pick Hawaiian Airlines World Elite Mastercard over Bank of America Premium Rewards Elite?
Choose Hawaiian Airlines World Elite Mastercard if Best for spenders who put meaningful volume in dining and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement.. Best for dining-heavy spend when the $99 fee fits your usage; confirm issuer terms before applying.
Strengths
- Strongest Madeen category is dining at about 3.6% effective (2x miles).
- That dining rate ranks higher than about 92% of cards we track in the category.
- No foreign transaction fee listed.
Tradeoffs
- $99 annual fee requires enough spend in bonus categories to offset.
- Multiple caps, activations, or exclusions may limit headline earn rates.
When should you pick Bank of America Premium Rewards Elite over Hawaiian Airlines World Elite Mastercard?
Choose Bank of America Premium Rewards Elite if Best for spenders who put meaningful volume in dining and can earn 2x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.. Best for dining-heavy spend when the $550 fee fits your usage; confirm issuer terms before applying.
Strengths
- Strongest Madeen category is dining at about 2% effective (2x points).
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Tradeoffs
- $550 annual fee requires enough spend in bonus categories to offset.
- Bank of America points value depends on how you redeem, not straight cash back.
Common questions about Hawaiian Airlines World Elite Mastercard vs Bank of America Premium Rewards Elite
Which card is better between Hawaiian Airlines World Elite Mastercard and Bank of America Premium Rewards Elite?
Hawaiian Airlines World Elite Mastercard is the stronger overall fit because it leads on Madeen's weighted scorecard (62 vs 38) across categories, bonus, benefits, and fee. The overall winner depends on your spend mix — use the scorecard rows and scenario playbook to see where each card actually wins.
Which card wins on dining: Hawaiian Airlines World Elite Mastercard or Bank of America Premium Rewards Elite?
Hawaiian Airlines World Elite Mastercard leads dining at 3.6% effective versus 2%.
Which card is better for cashback users: Hawaiian Airlines World Elite Mastercard or Bank of America Premium Rewards Elite?
Hawaiian Airlines World Elite Mastercard is the better cashback-style pick between Hawaiian Airlines World Elite Mastercard and Bank of America Premium Rewards Elite.
Which welcome bonus is stronger between Hawaiian Airlines World Elite Mastercard and Bank of America Premium Rewards Elite?
If you are chasing a welcome bonus, Hawaiian Airlines World Elite Mastercard leads on catalog bonus value. For long-term category earn after the bonus, Bank of America Premium Rewards Elite is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend.
Which card has stronger benefits: Hawaiian Airlines World Elite Mastercard or Bank of America Premium Rewards Elite?
Bank of America Premium Rewards Elite leads on estimated annual benefit value in the Madeen snapshot.
Which card has the lower annual fee: Hawaiian Airlines World Elite Mastercard or Bank of America Premium Rewards Elite?
Hawaiian Airlines World Elite Mastercard has the simpler fee story in this pair ($99 vs $550). Annual fee only wins if you use the rewards and credits that justify it.
Is Hawaiian Airlines World Elite Mastercard or Bank of America Premium Rewards Elite better for travel spend?
Hawaiian Airlines World Elite Mastercard is the stronger travel-style pick between Hawaiian Airlines World Elite Mastercard and Bank of America Premium Rewards Elite in this snapshot.
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Reviewed by Madeen editorial review
Catalog snapshot 2026-05-01
Updated 2026-06-13
Content tier Premium depth
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Madeen may earn compensation from apply links. Affiliate disclosure