 How does a cash reward program work? Typically, the program awards points, "dollars" or a cash value based on the amount you charge. The rate at which you collect points varies depending on what you charge or where you charge it. Some programs offer extra points for using their card at a specific place such as a supermarket or fast food restaurant or for certain items.
Some programs offer a variety of rewards. Consumers can earn meals, tickets to sporting events, airline tickets, electronics, or even create their own reward program.
The goal is to get you the consumer to use your credit card as much as possible. Why? FEES! The credit card issuer makes money from two sources each time you use their card. First, from the merchant who pays the issuer a merchant transaction fee and secondly, from you through finance charges and late fees. A recent survey found that nearly half of U.S. cardholders enrolled in a credit card rewards program have never redeemed their points. However, 60% of consumers said rewards program influences their decision when deciding which credit card to use for a purchase.
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Card issued by FIA Card Services, NA.
Various Internet account related services.
Up to $1,000,000 in travel accident insurance.
Unlimited automatic rental insurance.
Extended warranty protection.
Various travel and emergency assistance services.
Total Security Protection
Hotel theft and lost luggage insurance
Emergency airline ticket replacement.
No liability for unauthorized Internet transactions.
Optional personal photo on card.
Optional Mini Card.
See website for additional benefits.
*See website for complete terms and conditions of card usage and application disclosure. *Terms and Conditions
APR (Purchases): Intro Rate - 1.9% for six billing cycles. Goto rate is a variable risk based rate is Prime + 6.99%
APR (Balance Transfers): Intro Rate - 1.9% for six billing cycles. Goto rate is a variable risk based rate is P + 6.99%
APR (Cash Advances): 21.99% Variable * minimum 19.99% . (P + 15.99%)
Finance Configuration: Average Daily Balance (including new purchases)*
Annual Fee: $50
Additional Cardholders: $0
Grace Period: 20 Days (Min.)
Minimum Credit Limit: $500
Maximum Credit Limit: $15,000
Late Payment Fee: $19 on balances up to $100; $29 on balances of $100 up to $1,000; and $39 on balances over $1,000
Over-The-Limit Fee: $35
Cash Advance Fee: 3%, $10 minimum
Balance Transfer Fee: None
Rewards Program Details:
- Miles per Dollar: 1 HawaiianMile for every dollar
- Miles per Dollar spent for tickets purchased directly from Hawaiian Airlines: 2 HawaiianMiles for every dollar
- Earn additional miles at HawaiianMiles supercharged merchants
- Miles Expiration: No, unless account inactive for 3 years
- Yearly Limit on miles you can earn: 100,000
- Bonus Miles: 10,000 Miles upon first purchase and first minimum payment
- Anniversary Bonus Miles: 5,000 each year when you renew your card
- 50% discounted Companion Ticket upon approval
- 4 complimentary beverage coupons upon approval and each year when you renew your card
- 2 complimentary headset coupons upon approval and each year when you renew your card
- Automatic status as HawaiianMiles Preferred member
- Can pool miles with friends and family
- Greater access to award seats
- No blackout dates
*See website for complete terms and conditions of card usage and application disclosure. *Terms and Conditions
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