Updated September 28, 2026 · DebitCue Editorial Team
Hawaiian Airlines vs U.S. Bank
Hawaiian Airlines
Higher score in this comparison
U.S. Bank
What sets them apart
| Compare | Hawaiian AirlinesReviewSee alternativesSee alternatives | U.S. BankReviewSee alternativesSee alternatives |
|---|---|---|
| Annual fee | $99 | $0Lower |
| Rewards type | Points | Cashback |
| Rewards rate | 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 | Unlimited 2% cash back on every purchase, plus up to an additional 2% on the first $10,000 in eligible Net Purchases each billing cycle when paired with a U.S. Bank Smartly Savings account and qualifying checking balances (total 2.5% / 3% / 4% by qualifying balance) |
| Balance transfer intro period | 15 monthsHigher | 12 months |
| Perks | 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 | Cash back deals from brands via the U.S. Bank Mobile App or online banking, Flexible cash back redemption: direct deposit, statement credit, rewards card, merchant gift cards, U.S. Bank ExtendPay Plan with a $0 fee offer for new cardmembers on plans opened in the first 60 days, Contactless chip payment on all U.S. Bank credit cards |
| APR | Not confirmed | 0% |
| Balance transfer fee | Not confirmed | 5% |
| Credit needed | Not confirmed | Good |
| Cashback rate | Not confirmed | 2% |
| Card kind | Not confirmed | Credit |
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Key differences
- Annual fee is lower at U.S. Bank: $0 vs $99.
- Balance transfer intro period is higher at Hawaiian Airlines: 15 months vs 12 months.
- 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.
- Perks: only U.S. Bank offers Cash back deals from brands via the U.S. Bank Mobile App or online banking, Flexible cash back redemption: direct deposit, statement credit, rewards card, merchant gift cards, U.S. Bank ExtendPay Plan with a $0 fee offer for new cardmembers on plans opened in the first 60 days.
- Features: only Hawaiian Airlines offers Rewards.
- Features: only U.S. Bank offers Virtual card.
Our verdict on each
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.
U.S. Bank
U.S. Bank suits people already banking with the bank who want a no cost debit card and a cash back credit card in the same place. The checking account carries a monthly fee of $0 and the Bank Smartly Visa Signature has an annual fee of $0 and rewards of 2%.
Score breakdown
| Area | Hawaiian Airlines | U.S. Bank |
|---|---|---|
| Cost | 8.1 | 9.2HigherMonthly fee of $0 on the checking account and $0 on the credit card, with cash back rewards |
| Offer | 9.4HigherThe offer pairs points rewards with a 15 balance transfer intro period, so the airline angle is not the only draw. | 8.9 |
| Trust | 9.8 | Not confirmed |
Availability and regulation
| Country | Hawaiian Airlines | U.S. Bank |
|---|---|---|
| United States | FDIC FDIC cert 18053 | FDIC FDIC cert 6548 |
Available in 1 country for both.
Cost in a real example
A year with 1,000 spent abroad
Hawaiian Airlines
$99
1 × $99
U.S. Bank
$0
1 × $0
U.S. Bank costs $99 less.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Sources behind this comparison
Hawaiian Airlines
- barclaycardus.com: 4 facts, checked September 26, 2026
- banks.data.fdic.gov: 2 facts, checked September 26, 2026
- boh.com: 2 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
U.S. Bank
- usbank.com: 14 facts, checked September 26, 2026
- banks.data.fdic.gov: 2 facts, checked September 26, 2026
How they place
| Ranking | Hawaiian Airlines | U.S. Bank |
|---|---|---|
| Credit cards | 161 of 1020 | 164 of 1020 |
| Balance transfer cards | 11 of 35 | 12 of 35 |
Every fact side by side
| Fact | Hawaiian Airlines | U.S. Bank |
|---|---|---|
| Pricing model | Not confirmed | No annual fee |
| Features | Rewards | Virtual card |
| Audience | Not confirmed | Business, Student, Kids |
| Legal entity | Bank of Hawaii | U.S. Bank National Association |
| Headquarters | United States | United States |
| Founded | 1929 | Not confirmed |
| Support channels | Not confirmed | Phone, Help centre |
Where each stands against the rest
| Fact | Hawaiian Airlines | U.S. Bank | Median |
|---|---|---|---|
| Annual fee | $99highest quarter | $0at the median | $0 |
| APR | Not confirmed | 0%lowest quarter | 19.39% |
| Balance transfer intro period | 15 monthsat the median | 12 monthsbelow the median | 15 months |
| Balance transfer fee | Not confirmed | 5%highest quarter | 3% |
| Cashback rate | Not confirmed | 2%above the median | 1.5% |
Median across 196 listed cards.
Pros and cons
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.
U.S. Bank
Pros
- Monthly fee of $0 on the Smartly checking account keeps the everyday account cost at nil
- Cash back credit card with an annual fee of $0 and a rewards rate of 2% on every purchase
- Debit card on the visa network with a virtual card option for online spending
Cons
- Support runs on phone and help centre only, so there is no email or live chat option
- A balance transfer offer of 12 months comes with a fee of 5%
- The highest cash back rate on the credit card depends on holding a Smartly Savings account and qualifying checking balances
Who each suits
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.
U.S. Bank
Who it suits
- Existing U.S. Bank customers who want the checking account and credit card together
- Business owners looking for a debit card with a virtual card for online purchases
- Students and parents setting up a kids account on the same bank
Who should look elsewhere
- People who want a card with no foreign exchange costs, where Wise is a closer match
- Anyone who needs live chat or email help, as support runs on phone and help centre only
- Customers unwilling to hold a savings balance, since the highest cash back rate depends on qualifying checking balances
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
U.S. Bank
Current offer
Bonus
Score up to $450 with U.S. Bank Smartly Checking: up to $450
Open a new U.S. Bank Smartly Checking account and complete required activities. Offer valid through November 10. Terms and limitations apply.
Source, checked September 26, 2026
Country by country
| Country | Hawaiian Airlines | U.S. Bank |
|---|---|---|
| United States | Yes | Yes |
Questions about each
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.
U.S. Bank
What does the U.S. Bank debit card cost to hold?+
The Smartly checking account that the debit card sits on has a monthly fee of $0, so the account itself adds nothing to your costs. The card runs on the visa network, so it works in the same ATMs and shops as other Visa cards. Support is available on phone and help centre.
Is my money protected at U.S. Bank?+
U.S. Bank National Association is the legal entity behind the account, and the bank is headquartered in the US. It is supervised by the FDIC and listed under FDIC cert 6548. The balance sits in a bank current account rather than a prepaid balance, and support runs on phone and help centre.
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Hawaiian Airlines
U.S. Bank