Updated September 28, 2026 · DebitCue Editorial Team
Capital One UK vs Hawaiian Airlines
Capital One UK
Higher score in this comparison
Hawaiian Airlines
Capital One UK vs Hawaiian Airlines: the differences
| Compare | Capital One UKReviewSee alternativesSee alternatives | Hawaiian AirlinesReviewSee alternativesSee alternatives |
|---|---|---|
| Annual fee | £0 | $99 |
| Rewards type | None | Points |
| Balance transfer intro period | 18 monthsHigher | 15 months |
| Perks | Free CreditWise credit score and report, Up to 56 days interest free on new spends, Section 75 protection on spends between GBP 100 and GBP 30,000, Up to 2 credit limit increases a year, Free QuickCheck eligibility check with no impact to credit score, Round the clock fraud security | 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 |
| APR | 34.9% | Not confirmed |
| Currency conversion fee | 2.75% | Not confirmed |
| Rewards rate | Not confirmed | 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 fee | 3% | Not confirmed |
| Credit needed | Poor | Not confirmed |
| Card kind | Credit | Not confirmed |
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Key differences
- Founded is lower at Hawaiian Airlines: 1929 vs 1996.
- Balance transfer intro period is higher at Capital One UK: 18 months vs 15 months.
- Perks: only Capital One UK offers Free CreditWise credit score and report, Up to 56 days interest free on new spends, Section 75 protection on spends between GBP 100 and GBP 30,000.
- Perks: only Hawaiian Airlines offers 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.
Our verdict on each
Capital One UK
Capital One UK suits UK shoppers building a score or clearing a balance, offering a balance transfer intro of 18 and credit tools with no fee to hold. The representative APR of 34.9% makes it a card to clear rather than revolve.
Hawaiian Airlines
Hawaiian Airlines suits people who already collect Atmos Rewards and fly the carrier, since eligible airline spending earns the highest points rate and the travel perks arrive with an annual fee of $99. For everyday spending, that fee is hard to justify against cards that charge nothing.
Score breakdown
| Area | Capital One UK | Hawaiian Airlines |
|---|---|---|
| Cost | 8.7HigherAnnual fee £0 and a 3% balance transfer fee keep costs low, against 34.9% interest and 2.75% abroad. | 8.1 |
| Offer | 9.5HigherBalance transfer intro of 18, free credit score tools, and no rewards (none). | 9.4The offer pairs points rewards with a 15 balance transfer intro period, so the airline angle is not the only draw. |
| Trust | 9.0 | 9.8Higher |
Which one suits you
Pick Capital One UK if cost and balance transfer intro period matter most.
Pick Hawaiian Airlines if trust matter most.
How they place
| Ranking | Capital One UK | Hawaiian Airlines |
|---|---|---|
| Credit cards | 153 of 1020 | 161 of 1020 |
| Balance transfer cards | 10 of 35 | 11 of 35 |
Where each is licensed and available
| Country | Capital One UK | Hawaiian Airlines |
|---|---|---|
| United States | Not confirmed | FDIC FDIC cert 18053 |
Additional countries for Capital One UK: 1. Additional countries for Hawaiian Airlines: 1.
Every fact side by side
| Fact | Capital One UK | Hawaiian Airlines |
|---|---|---|
| Pricing model | No annual fee | Not confirmed |
| Features | Not confirmed | Rewards |
| Legal entity | Capital One (Europe) plc | Bank of Hawaii |
| Headquarters | United Kingdom | United States |
| Founded | 1996 | 1929Lower |
| Support channels | Chat, Phone, Email, Help centre | Not confirmed |
Where each stands against the rest
| Fact | Capital One UK | Hawaiian Airlines | Median |
|---|---|---|---|
| APR | 34.9%highest quarter | Not confirmed | 19.39% |
| Currency conversion fee | 2.75%highest quarter | Not confirmed | 1% |
| Balance transfer intro period | 18 monthsabove the median | 15 monthsat the median | 15 months |
| Balance transfer fee | 3%at the median | Not confirmed | 3% |
Median across 312 listed cards.
Pros and cons
Capital One UK
Pros
- Aimed at poor credit, so applicants turned down elsewhere can still apply.
- Support runs on chat, phone and email, so help is easy to reach by phone, chat, email or a help centre.
- Credit building tools come as standard: a free credit score and report, an eligibility check that leaves the credit score untouched, and round the clock fraud security.
Cons
- Representative APR of 34.9% sits above the site average of 20.97%, so an unpaid balance costs quickly.
- Foreign purchases are charged 2.75% in currency conversion, above the site average of 1%.
- The rewards type is listed as none, so nothing comes back on everyday spending.
Hawaiian Airlines
Pros
- Eligible Hawaiian Airlines and Alaska Airlines purchases earn Atmos Rewards points at the highest rate, with a lower boost on gas, dining and grocery store spending.
- The issuing bank holds FDIC cert 18053, with the FDIC named as the regulator in the US.
Cons
- An annual fee of $99 sits well above the €0 annual fee median and the $0 of the Varo Believe Secured Credit Card.
- Points are weighted to airline spending, so everyday purchases earn the base rate and the $99 fee leans on travel.
Who each suits
Capital One UK
Who it suits
- UK applicants with poor credit who want a mainstream card rather than a secured one.
- Balances being cleared, where the 18 transfer window and 3% fee on the balance transfer card keep the move contained.
- Cardholders who pay in full and would rather build a score than chase rewards.
Who should look elsewhere
- Not for frequent foreign spend, where Wise charges 0% on currency conversion against 2.75% on this card.
- Not for anyone after a deposit backed card, since Varo Believe Secured Credit Card has an annual fee of $0 on a secured basis.
- Not for shoppers who want a rewards earn on everyday buying, as the rewards type here is none and Chime Card (Secured Visa Credit Card) offers the same credit building route.
Hawaiian Airlines
Who it suits
- Households already loyal to Hawaiian Airlines and Alaska Airlines who want bags and companion discounts built in.
- Travellers who spend in US dollars abroad, where the card adds no foreign transaction fee.
Who should look elsewhere
- Wise, for spending abroad on £0 a year rather than paying an airline fee.
- The Varo Believe Secured Credit Card, for building secured credit rather than airline points, at $0.
- The Chime Card, for a secured card with $0 and no airline programme attached.
Current offers
Capital One UK
Current offer
First period offer
0% interest on balance transfers for up to 18 months and on purchases for up to 3 months: 0% for up to 18 months on balance transfers; 0% for up to 3 months on purchases
Balance Transfer card; up to 3% transfer fee (maximum 3%); up to GBP 8,000 starting credit limit; representative example assumes a GBP 1,200 credit limit with 34.94% p.a. variable interest on purchases giving 34.9% APR representative variable
Source, checked September 26, 2026
Hawaiian Airlines
Current offer
Bonus
Up to 70,000 bonus Atmos Rewards points on the Hawaiian Airlines Bank of Hawaii World Elite Mastercard: 60,000 points after $1,000 spend in the first 90 days plus 10,000 points after $2,000 total spend in the first 180 days
Offer subject to credit approval; new cardmembers only, not available to applicants who currently have or previously had an account in this program; $99 annual fee
Source, checked September 26, 2026
First period offer
0% introductory APR on balance transfers: 0% APR for the first 15 billing cycles on balance transfers posted within 45 days of account opening
Does not apply to purchases or cash advances; balance transfer fee 5% (min. $5); variable APR 19.49% to 29.49% afterwards
Source, checked September 26, 2026
Bonus
50% bonus on Atmos Rewards points for Hawaii resident cardmembers: 50% extra points per $1 spent, up to 5,000 bonus points
Hawaii residents only; promotional period runs from the February 2026 statement through December 31, 2026; account must be open, active and in good standing
Source, checked September 26, 2026
Discount code
Companion travel discounts on the Hawaiian Airlines World Elite Mastercard: $100 off one companion Main Cabin round-trip ticket at each account anniversary, plus a one-time 50% off companion discount
Valid on roundtrip Main Cabin travel between Hawaii and North American destinations booked through the Atmos Rewards account; not valid on neighbor island, international, codeshare or multi-city travel; primary cardmember must be one of the passengers
Source, checked September 26, 2026
Country by country
| Country | Capital One UK | Hawaiian Airlines |
|---|---|---|
| United Kingdom | Yes | No |
| United States | No | Yes |
Questions about each
Capital One UK
Is there an annual fee on the Capital One UK credit card?+
There is no annual fee. The card is sold on a no annual fee model, so the annual fee is £0 and the only real cost is interest. That interest is the part to watch, at a representative APR of 34.9%, because the card is aimed at poor credit and some applicants will revolve.
What rate applies if I do not clear the balance?+
The representative APR is 34.9%, above the site average of 20.97%. New purchases sit inside the interest free window the card offers, so the rate matters most once that window runs out or a transferred balance is still unpaid.
Hawaiian Airlines
What is the annual fee on the Hawaiian Airlines card?+
The card charges an annual fee of $99. That sits well above the €0 annual fee median across the site, and above the $0 on the Varo Believe Secured Credit Card. The fee is the price of the travel perks listed in 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, and which regulator is named?+
The issuer is Bank of Hawaii, a bank based in the United States that holds FDIC cert 18053. The FDIC is the regulator listed for that bank, which is the licensed party behind the card rather than the airline. The airline lends its name, its routes and its points programme, while the bank runs the account.
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Capital One UK
Hawaiian Airlines