Editorial take: Bilt Mastercard
The only card that earns points on rent with no fees. Pair it with Rent Day on the 1st of each month for bonus earning, then transfer to top partners like Hyatt at 1:1. A must-have for renters.
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Side-by-side
Bilt Mastercard vs Hawaiian Airlines World Elite Mastercard
Both are well-respected travel cards. The Bilt Mastercard comes from Bilt / Wells Fargo at $0/yr; the Hawaiian Airlines World Elite Mastercard from Bank of America at $99/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Hawaiian Airlines World Elite Mastercard is the stronger pick today — the sign-up bonus is meaningfully larger ($980 more in estimated value) than the Bilt Mastercard's. Get the Hawaiian Airlines World Elite Mastercard first; revisit the Bilt Mastercard after you've earned that bonus.
| Feature | Bilt Mastercard | Hawaiian Airlines World Elite Mastercard |
|---|---|---|
| Annual fee | $0 | $99 |
| Sign-up bonus | No public offer | 70,000 miles |
| Bonus value (est.) | $0 | $980 |
| Min spend to unlock bonus | $0 in 0 mo | $2,000 in 3 mo |
| Issuer | Bilt / Wells Fargo | Bank of America |
| Card category | travel | airline |
| Best earning category (Dining) | 3x | 2x |
| Transfer partners | bilt | hawaiian-miles |
| Headline benefits |
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Read the full review
Bilt Mastercard
$0/yr · No public offer
Read the full review
Hawaiian Airlines World Elite Mastercard
$99/yr · 70,000 miles
Editorial take: Hawaiian Airlines World Elite Mastercard
Niche card unless you fly Hawaii regularly. Note: Hawaiian + Alaska have merged loyalty into Atmos Rewards in 2025; the long-term direction of this card is in transition. Worth tracking if you're Hawaii-bound multiple times a year.
Common questions
- Which card has the bigger sign-up bonus, Bilt Mastercard or Hawaiian Airlines World Elite Mastercard?
- The Hawaiian Airlines World Elite Mastercard has the bigger bonus — 70,000 miles, worth roughly $980, versus No public offer (~$0) on the Bilt Mastercard.
- Is the Bilt Mastercard's $0 annual fee worth it compared to the Hawaiian Airlines World Elite Mastercard?
- The Bilt Mastercard has no annual fee, so the question is whether the Hawaiian Airlines World Elite Mastercard's $99 fee is justified by its perks. If you'll use enough of the Hawaiian Airlines World Elite Mastercard's benefits to clear $99 in value annually, it's worth it; otherwise stick with the Bilt Mastercard.
- Can I have both the Bilt Mastercard and Hawaiian Airlines World Elite Mastercard?
- Yes, since they're from different issuers (Bilt / Wells Fargo and Bank of America) the application rules don't conflict. Many points enthusiasts hold both — they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Bilt Mastercard or the Hawaiian Airlines World Elite Mastercard first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Mastercard: $0 spend in 0 months. Hawaiian Airlines World Elite Mastercard: $2,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time — confirm the current offer on the issuer's page before applying.