Hawaiian Airlines Bank of Hawaii Card: A Fresh 70K Welcome Offer Takes Flight

If you've been eyeing a trip to the islands, there's some good news on the credit card front. The Hawaiian Airlines Mastercard from Bank of Hawai'i just bumped its welcome offer from the standard 60,000 points up to a total of 70,000 Atmos Points. And the spending requirement is pretty reasonable — just $2,000 in the first six months. Let's break down what you need to know.

How the Bonus Breaks Down

The 70,000-point offer is split into two easy-to-reach milestones. You'll get 60,000 Atmos Points after you spend $1,000 within the first 90 days of account opening. Then, once your total spending hits $2,000 within the first 180 days, you'll earn an extra 10,000 points. That means you only need to put $2,000 on the card over six months to unlock the full bonus — pretty gentle compared to some cards that ask for $3,000 or $4,000 in three months.

This is a solid improvement from the 60,000-point offer that was available for most of 2026. The extra 10,000 points might not sound huge, but they can go a long way toward a flight or an upgrade.

What About the Other Hawaiian Airlines Cards?

There used to be two versions of the Hawaiian Airlines credit card — one from Barclays and one from Bank of Hawai'i. With the merger of Hawaiian and Alaska Airlines under the Atmos Rewards program, many folks expected both cards to disappear. But they've stuck around, though availability has been spotty. The Barclays version has been especially hard to find lately.

It's also worth noting that right now there are even bigger offers floating around for other Atmos co-branded cards. You can find a 100,000-point offer on the Atmos Summit card, and 85,000-point offers on both the Atmos Ascent and Atmos Business cards. So if you're not specifically tied to Hawaiian Airlines, you might want to compare those options.

Things to Watch Out For

The $99 annual fee is not waived for the first year, so factor that into your math. With the bonus and typical spending, the first-year value is estimated around $775, so the fee is easily covered if you use the points wisely.

Also, keep in mind that the bonus points are Atmos Points, which are now shared across Hawaiian and Alaska Airlines. That gives you more redemption options, but make sure you understand how to transfer or combine them if you have other Atmos accounts.

Finally, the two free checked bags perk only applies when you book your flight through Hawaiian Airlines or Alaska Airlines directly. If you use a third-party site, you might not get that benefit.

Bottom Line

• 70,000 Atmos Points after $2K spend in 180 days is a strong offer with a low spending bar.
• The $99 annual fee is reasonable given the perks like free checked bags and companion discounts.
• Consider other Atmos cards if you want a higher bonus or different airline benefits.
• The bonus is split into two tiers, so you don't need to rush the full $2K in the first 90 days.

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