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Hawaiian Airlines World Elite Mastercard vs Wells Fargo Autograph Card

Both are well-respected travel cards. The Hawaiian Airlines World Elite Mastercard comes from Bank of America at $99/yr; the Wells Fargo Autograph Card from Wells Fargo at $0/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 ($780 more in estimated value) than the Wells Fargo Autograph Card's. Get the Hawaiian Airlines World Elite Mastercard first; revisit the Wells Fargo Autograph Card after you've earned that bonus.

FeatureHawaiian Airlines World Elite MastercardWells Fargo Autograph Card
Annual fee$99$0
Sign-up bonus70,000 miles20,000 points
Bonus value (est.)$980$200
Min spend to unlock bonus$2,000 in 3 mo$1,000 in 3 mo
IssuerBank of AmericaWells Fargo
Card categoryairlinetravel
Best earning category (Hawaiian)3x1x
Transfer partnershawaiian-milesNone
Headline benefits
  • $100 companion discount
  • Free checked bag
  • 5k anniversary miles
  • Hawaii routing
  • 3x on 6 broad categories
  • No annual fee
  • No FX fees
  • Cell phone protection
Read the full review
Hawaiian Airlines World Elite Mastercard
$99/yr · 70,000 miles
Read the full review
Wells Fargo Autograph Card
$0/yr · 20,000 points

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.

Editorial take: Wells Fargo Autograph Card

The best no-annual-fee card for everyday spend in 2026. 3x on six broad categories with no caps trumps almost every other free card. Pair with the Autograph Journey if you want transferable points.

Common questions

Which card has the bigger sign-up bonus, Hawaiian Airlines World Elite Mastercard or Wells Fargo Autograph Card?
The Hawaiian Airlines World Elite Mastercard has the bigger bonus — 70,000 miles, worth roughly $980, versus 20,000 points (~$200) on the Wells Fargo Autograph Card.
Is the Hawaiian Airlines World Elite Mastercard's $99 annual fee worth it compared to the Wells Fargo Autograph Card?
At $99/yr, the Hawaiian Airlines World Elite Mastercard is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Wells Fargo Autograph Card's — pick the one whose perks you'll actually use.
Can I have both the Hawaiian Airlines World Elite Mastercard and Wells Fargo Autograph Card?
Yes, since they're from different issuers (Bank of America and Wells Fargo) 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 Hawaiian Airlines World Elite Mastercard or the Wells Fargo Autograph Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Hawaiian Airlines World Elite Mastercard: $2,000 spend in 3 months. Wells Fargo Autograph Card: $1,000 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.