Verdict: The Hawaiian Airlines Visa Business Card has enough perks to make it one of the most attractive cards for small business owners. These perks include an introductory interest rate of 0 percent, the ability to steadily earn free airline miles and 10,000 bonus miles after cardholders make their first charge.

Overview: For those business owners who travel extensively to Hawaii — or who’d like to rack up enough miles for an island vacation as a break from the rigors of owning a business — the Hawaiian Airlines Visa Business Card is a good choice. The card allows business owners to easily add additional cards for their employees, at a reasonable rate. It also allows owners to earn a hefty discount on round-trip airfare from the mainland to Hawaii.

How This Card Works: Cardholders pay an annual fee for a company card and a smaller fee for any employee cards they need to add. They’ll earn bonus miles after their first charge and on every anniversary of the date on which they activated their card.

Travel and Shopping Benefits: Cardholders earn two miles for every dollar they charge for Hawaiian Airlines tickets. They earn one mile for every dollar they charge for all other purchases. They’ll also receive 10,000 bonus miles after making their first charge with their new card and 2,000 bonus miles on each anniversary of the date on which they activated their card.

In addition, business owners earn 25 percent off a round-trip flight from the mainland United States to Hawaii for themselves and a companion.

Fees: The Hawaiian Airlines Visa Business card comes with an introductory rate of 0 percent interest. After nine billing cycles, this rate adjusts to 13.24 percent, still a solid interest rate. A company card comes with a $50 annual fee, while each extra employee card comes with a $25 annual fee. The fee for cash advances is an industry standard of $10 or 4 percent of the advance amount, whichever is higher.

Pros

  • 10,000 bonus miles after first charge.
  • 2,000 bonus miles on every anniversary.
  • 25 percent discount on round-trip flight to Hawaii.

Cons

  • $50 annual fee.
  • $25 annual fee for all employee cards.

About This CreditShout Author Dan Rafter has contributed to such publications as the Washington Post, Chicago Tribune and BusinessWeek Online. He’s also a frequent blogger on credit and financial issues. Related Posts

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