Hawaiian Airlines® Visa® Platinum

• 10,000 bonus miles with first purchase
• 1 HawaiianMile for every net retail dollar spent up to 100,000 miles per calendar year
• 2,000 miles each anniversary as a cardholder
• 2 HawaiianMiles for every dollar spent on tickets purchased directly from Hawaiian Airlines up to 100,000 miles per calendar year
• Total Security Protection
• Card issued by FIA Card Services, N.A.

Just The Facts -

Issuer : FIA Card Services, N.A. (Bank of America)

APR :  0% Introductory APR on purchases and cash advance checks for your first 6 billing cycles, 1.9% fixed rate on balance transfers

Introductory Period : 6 billing cycles (6 months)

APR After Introductory Period : 4.99% variable plus prime rate, 9.99% plus prime rate for balance transfers

Cash Advance Rate : 18.24%% variable rate on cash advances

Annual Fee : $19

Credit Line Possible : The minimum credit line offered is $500 and the maximum is $25,000.

Insurance included :  Hawaiian Airlines Visa Platinum includes extended car rental and warranty coverage on services and purchases for up to a year.

Financing Configuration - Interest is calculated on your average daily balance (including new purchases).

Grace Period - You have twenty days after making a purchase during which you do not have to pay any interest.

The Best Thing About It - You earn 2 Hawaiian Miles for every dollar spent on tickets purchased directly from Hawaiian Airlines up to 100,000 miles per calendar year and get discount on a second ticket.

The Worst Thing About It - Your points expire after two years.

Credit Rating Needed For Acceptance :  Good

Who Is It For?

Hawaiian Airlines Visa Platinum best benefits those who prefer to travel frequently on Hawaiian Airline, would like to get discounts on companion tickets and like the idea of earning double points fast (two points for every dollar.)

The Benefits

You are gifted with 100,000 free points on your first purchase. Points can be redeemed for travel, theme park admissions, and certificates to major hotel chains, brand-name merchandise, and more. This introductory gift of points is enough to get you a free night at over 1,000 Choice Privileges locations.

You are gifted with 25,000 free points every year.  This is the bonus that you get every year  on your calendar anniversary as a cardholder.

Companion tickets are 50% off. Cardholders receive a 50% discounted companion ticket with the purchase of a regular full-coach fare ticket plus applicable taxes, fees, and surcharges.

The Hawaiian Airlines Visa Platinum comes with the Bank of America's Purchase Replacement program. This feature provides for repair or replacement for covered purchases that are stolen, damaged or lost at a known location, within 90 days of the date of purchase.

The Hawaiian Airlines Visa Platinum comes with the Bank of America's Purchase Guard. This feature may double the manufacturer's original U.S. warranty period for covered purchases with warranty duration of 1 year or less.

Cash advance checks are issued at no extra charge. This allows you to get a cash advance without paying an ATM fee.

Zero Liability.  If you claim someone has stolen your card then you do not have to be liable for the usual $50 that is typically deducted as fraud liability.

The Drawbacks

The points have an annual cap. There is a limit of 100,000 points that can be accumulated on this card each year.

A short grace period. Many credit cards don't begin to garner interest on purchases until thirty days after purchase. The Hawaiian Airlines Visa Platinum card only gives you twenty days.

The 1.9 % introductory rate is not guaranteed. If you make a late payment on any bill, not just your credit card bill, your introductory 0% rate can be replaced with the costly prime rate.

All payments you make will be applied to lower rate balances first. This makes it easy to get into debt.

The Choice Privileges VISA Platinum introductory rate can be cancelled at the discretion of the Bank of America. You will lose your introductory rate if you exceed your credit limit or are late with a payment or if there is a negative comment on your credit report.

There are lots of hidden fees.  See the Fees to Watch Out For section below.  The fees charged for your every little financial transaction can really add up and make it seem like you are paying an annual fee anyway.

Fees To Watch Out For

Late payment fee:  $15 on balances up to $100; $29 on balances over $100 up to $250; $39 on balances over $250

Over The Limit fee: $15 on balances up to $500; $29 on balances over $500 up to $1,000; $39 on balances over $1,000

Cash advance Fee: 3%, $10 minimum; 4%, $10 minimum, $90 maximum for cash advance checks

Balance Transfers: No fees on introductory balance transfers; 4%, $10 minimum, $90 maximum after the introductory period