1. Offer subject to credit approval. This offer is available through this advertisement and may not be accessible elsewhere. Other offers may be available. For complete pricing and other details, please see the Terms and Conditions.
   
   This offer is valid for approved applicants. Any bonus associated with this offer may only be earned once. You may not be eligible for this offer if you currently have or previously had an account with us in this program. In addition, you may not be eligible for this offer if at, any time during our relationship with you, we have cause, as determined by us in our sole discretion, to suspect that the account is being obtained or will be used for abusive or gaming activity (such as, but not limited to, obtaining or using the account to maximize rewards earned in a manner that is not consistent with typical consumer activity and/or multiple credit card account applications/openings). Please see the About This Offer section of the Terms and Conditions for important information.
   
   Annual Fee is $99. 0% introductory APR on balance transfers made within 45 days of account opening is applicable for the first 15 billing cycles that immediately follow each balance transfer. This introductory APR offer does not apply to purchases and cash advances. For new and outstanding balance transfers after the introductory period and all purchases, the variable APR is 19.49% – 29.49%, depending upon our review of your application, your credit history at account opening, and other factors. The variable APR for cash advances is 29.74%. The APRs on your account will vary with the market based on the Prime Rate and are subject to change. The minimum monthly interest charge will be $0.50. Balance transfer fee: 5% (min. $5). Cash advance fee: 5% (min. $10). Foreign transaction fee: 0%. See Terms and Conditions for updated and more information about the terms of this offer, including the “About the Variable APRs on Your Account” section for the current Prime Rate information.
   
   
2. Conditions and limitations apply. Please refer to the Introductory Bonus Offer section of the Terms and Conditions for more information about the introductory offer. Please refer to the Reward Rules within the Terms and Conditions for additional information about the rewards program.
   
   
3. Primary cardmember is financially responsible for all authorized user purchases and transactions. In addition, we may provide account information to the credit bureaus for all account users, which could impact an authorized user’s credit score.
   
   
4. This offer is for select Hawaiian Airlines® World Elite Mastercard® and Hawaiian Airlines® World Elite Mastercard® Business Card cardmembers who are Hawaii residents. Your address as of February 1, 2026 (or credit card open date if opened after February 1, 2026), must be an address within the state of Hawaii and the address associated with your Atmos™ Rewards account to be eligible for this offer. This offer is not transferable. If your account is closed or you switch to another product during the promotional period, you may no longer be eligible for this promotion. You will earn an additional 50% bonus on Atmos Rewards points per one dollar ($1) spent on all purchases less credits, returns and adjustments ("Net Purchases”). For this promotion, purchases that earn 3 points per $1 spent will earn 4.5 points per $1 spent, purchases that earn 2 points per $1 spent will earn 3 points per $1 spent, and purchases that earn 1 point per $1 spent will earn 1.5 point per $1 spent. The promotional period starts with any transactions made and reflected on your February 2026 statement and ends with transactions made through December 31, 2026 (which will appear on your January 2027 statement) for a maximum of 5,000 bonus points. Barclays is not responsible for merchant posting times. Failure to maintain your creditworthiness during the offer period may result in actions on your account, such as a credit line decrease, that would reduce your ability to take advantage of this offer. To receive the additional points, your account must be open, active and in good standing at the time of fulfillment. All points earned from this promotion will appear in your Atmos Rewards account 4-6 weeks after your credit card statement closing date each month. Barclays is not responsible for the fulfillment of points for this promotion.
   
   
5. Message and/or data rates may apply based on your mobile carrier.

* No purchase required. See rules for details. Ends 12/31/26.

The Hawaiian Airlines Bank of Hawaii World Elite Mastercard is issued by Barclays Bank Delaware pursuant to a license from Mastercard International Incorporated. Mastercard, World Mastercard, World Elite Mastercard, and the circles design are registered trademarks of Mastercard International Incorporated.