The Hawaiian Airlines World Elite Business Mastercard edges out the U.S. Bank Smartly for most cardholders — it wins on 2 of 4 comparison categories and offers 50,000 pts signup bonus earns more (up to 3x vs 2x). The U.S. Bank Smartly is the better choice if you want no or lower annual fee.
Hawaiian Airlines World Elite Business Mastercard vs U.S. Bank Smartly
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Comparison Method
CardCurator compares measurable differences first: annual fee, current welcome offer, top-end earning, and recurring credits. If the cards are close, the right answer depends on spending pattern and perk usage rather than headline prestige.
- Alaska/Hawaiian Airlines 3x
- Gas Stations 2x
- Dining 2x
- All Purchases 2x
- 50%-OFF COMPANION DISCOUNT (~$100/yr)
Common Questions: Hawaiian Airlines World Elite Business Mastercard vs U.S. Bank Smartly
Is the Hawaiian Airlines World Elite Business Mastercard or U.S. Bank Smartly better for dining?
Hawaiian Airlines World Elite Business Mastercard earns 2x on dining; U.S. Bank Smartly has no dining bonus.
Which has the higher signup bonus in 2026?
Hawaiian Airlines World Elite Business Mastercard currently offers 50,000 pts signup bonus (spend $4,000 in 9 months). U.S. Bank Smartly offers no current bonus. Hawaiian Airlines World Elite Business Mastercard has the larger bonus.
Which card is better for international travel?
Hawaiian Airlines World Elite Business Mastercard charges no foreign transaction fees — the better pick for international use. U.S. Bank Smartly charges 3% on foreign purchases.
Can I hold both the Hawaiian Airlines World Elite Business Mastercard and the U.S. Bank Smartly?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Hawaiian Airlines World Elite Business Mastercard is from Barclays and U.S. Bank Smartly is from U.S. Bank, so they're governed by separate bank policies.