Updated September 29, 2026 · DebitCue Editorial Team
Capital One vs Hawaiian Airlines
Capital One
Higher score in this comparison
Hawaiian Airlines
Where Capital One and Hawaiian Airlines differ
| Compare | Capital OneReviewSee alternativesSee alternatives | Hawaiian AirlinesReviewSee alternativesSee alternatives |
|---|---|---|
| Annual fee | $0Lower | $99 |
| Rewards type | Cashback | Points |
| Rewards rate | unlimited 1.5% cash back on every purchase | 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 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 | 0% | Not confirmed |
| Balance transfer fee | 3% | Not confirmed |
| Credit needed | Excellent | Not confirmed |
| Cashback rate | 1.5% | Not confirmed |
| Card kind | Credit | Not confirmed |
| Regulators | FDIC | Not confirmed |
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Key differences
- Founded is lower at Hawaiian Airlines: 1929 vs 1985.
- Annual fee is lower at Capital One: $0 vs $99.
- Balance transfer intro period is higher at Capital One: 18 months vs 15 months.
- Perks: only Capital One 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
Capital One suits spenders who want cashback on everyday purchases with no annual cost while accepting card approval for shoppers with strong credit. You pay currency conversion fees of 0% and face APR of 34.9% if you carry a balance, so clearing in full each month matters most.
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 | Hawaiian Airlines |
|---|---|---|
| Cost | 9.2HigherCost reflects annual fee of $0 plus currency conversion fees of 0%. | 8.1 |
| Offer | 9.4Offer reflects balance transfer intro period of 18 and APR of 34.9%. | 9.4The offer pairs points rewards with a 15 balance transfer intro period, so the airline angle is not the only draw. |
| Trust | 8.9Trust reflects licence FDIC cert 4297 held by Capital One, National Association. | 9.8Higher |
The bill, worked out
A year with 1,000 spent abroad
Capital One
$0
1 × $0
Hawaiian Airlines
$99
1 × $99
Capital One costs $99 less.
Excludes currency conversion fee (not stated by Hawaiian Airlines). Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 29, 2026.
Where each is licensed and available
| Country | Capital One | Hawaiian Airlines |
|---|---|---|
| United States | FDIC FDIC cert 4297 | FDIC FDIC cert 18053 |
Choosing between them
Pick Capital One if cost, annual fee, and balance transfer intro period matter most.
Pick Hawaiian Airlines if trust matter most.
How they place
| Ranking | Capital One | Hawaiian Airlines |
|---|---|---|
| Credit cards | 176 of 1020 | 161 of 1020 |
| Balance transfer cards | 14 of 35 | 11 of 35 |
Every fact side by side
| Fact | Capital One | Hawaiian Airlines |
|---|---|---|
| Pricing model | No annual fee | Not confirmed |
| Features | Rewards | Rewards |
| Legal entity | Capital One, National Association | Bank of Hawaii |
| Headquarters | United States | United States |
| Founded | 1985 | 1929Lower |
| Support channels | Phone, Chat, Help centre | Not confirmed |
Debit cards
| Fact | Capital One | Hawaiian Airlines |
|---|---|---|
| Monthly fee | $0 | Not confirmed |
| Card type | Debit | Not confirmed |
Where each stands against the rest
| Fact | Capital One | Hawaiian Airlines | Median |
|---|---|---|---|
| Annual fee | $0at the median | $99highest quarter | $0 |
| APR | 34.9%highest quarter | Not confirmed | 19.39% |
| Currency conversion fee | 0%below the median | 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% |
| Cashback rate | 1.5%at the median | Not confirmed | 1.5% |
Median across 312 listed cards.
Pros and cons
Capital One
Pros
- Annual fee of $0 keeps yearly card costs at free while you hold the account.
- Currency conversion fees of 0% keep foreign purchases free of added conversion charges.
- Balance transfer intro period of 18 gives room to spread repayment of moved debt.
Cons
- APR of 34.9% makes carried balances costly, so full repayment matters for value.
- Balance transfer fee of 3% adds cost when you move debt despite the intro period of 18.
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
Who it suits
- Shoppers who pay in full and want cashback with annual fee of $0 and currency conversion fees of 0%.
- Planners who want a balance transfer intro period of 18 to spread moved debt in a structured way.
Who should look elsewhere
- Carried balances: if you often revolve debt, Oney Préstamos may merit a look because Capital One APR of 34.9% is costly.
- Business money management: if you need invoicing and team controls, Qonto may fit better than a card of debit built around spending.
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
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 | Hawaiian Airlines |
|---|---|---|
| United States | No | Yes |
Questions about each
Capital One
Does Capital One charge an annual fee?+
What is the annual fee on Capital One? Annual fee is $0, which means fixed yearly card costs stay at free. You still need to manage APR of 34.9% and balance transfer fee of 3% when you carry or move balances.
What APR does Capital One charge?+
APR is 34.9%. That rate applies when you carry a balance beyond the payment due date. Paying in full each cycle helps you avoid interest and keeps the cashback value intact over time.
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.
Other options to compare
Other matchups
Capital One
Hawaiian Airlines