Is the Hawaiian Airlines World Elite (BofA) worth it in 2026?

Keep it+$981 year one

Worth keeping long-term. The recurring credits you'd actually use cover the annual fee on their own, before the welcome bonus even enters the math.

Assumes you use every recurring credit and value points at 1.4¢. Adjust for your spend in the calculator →

The year-one math

Welcome bonus70,000 pts × 1.4¢: +$980
Recurring credits (if fully used): +$100
Annual fee: −$99
Year-one value: +$981
Ongoing (year 2+, no bonus)credits − fee: +$1

Recurring credits

Companion Discount ($100 off)$100/yr

Track the Hawaiian Airlines World Elite (BofA) in PointsCraft

Track every recurring credit and get this verdict on your real usage in the iOS app.

iOS app coming soon

FAQ

Is the Hawaiian Airlines World Elite (BofA) worth it in 2026?

Keep it. Worth keeping long-term. The recurring credits you'd actually use cover the annual fee on their own, before the welcome bonus even enters the math. This assumes you use every recurring credit and value points at 1.4¢ — adjust both in the calculator for your own situation.

Should I cancel my Hawaiian Airlines World Elite (BofA)?

Probably not on the numbers alone — the recurring credits ($100/yr) already cover the $99 fee, so it pays for itself in year 2+ if you use them.

How is "worth it" calculated?

Year-one value = welcome bonus value (points × cents-per-point) + the annualized value of the card's recurring credits − the annual fee. It's the same model the PointsCraft iOS app uses to show what your wallet is actually worth.