Card comparison
Which card is better between Chase Sapphire Reserve Credit Card and Hawaiian Airlines World Elite Mastercard?
Chase Sapphire Reserve Credit Card and Hawaiian Airlines World Elite Mastercard are effectively tied on Madeen's weighted scorecard across categories, bonus, benefits, and fee — your spend mix decides the winner.
Effective rate Chase Sapphire Reserve Credit Card
Annual fee Hawaiian Airlines World Elite Mastercard
Welcome bonus Chase Sapphire Reserve Credit Card
Benefits value Chase Sapphire Reserve Credit Card
Tie is the stronger overall pick between Chase Sapphire Reserve Credit Card and Hawaiian Airlines World Elite Mastercard because the weighted score across categories, bonus, benefits, and fee is effectively a tie. Chase Sapphire Reserve Credit Card and Hawaiian Airlines World Elite Mastercard split the win across categories, fees, and bonuses. Madeen's snapshot favors checking dining, grocery, and travel rows — not just each card's headline top category — before you pick a primary wallet card. Use Chase Sapphire Reserve.
Choose A if
Choose Chase Sapphire Reserve Credit Card when its strongest categories, bonus, or perks match how you actually spend.
Choose B if
Choose Hawaiian Airlines World Elite Mastercard when the fee, welcome bonus, or issuer ecosystem fits better than the headline winner.
Full comparison
How do Chase Sapphire Reserve Credit Card and Hawaiian Airlines World Elite Mastercard compare across all spend categories?
Across all five spend categories, Chase Sapphire Reserve Credit Card and Hawaiian Airlines World Elite Mastercard trade wins row by row. Chase Sapphire Reserve Credit Card peaks at 4% effective; Hawaiian Airlines World Elite Mastercard peaks at 3.6%. Chase Sapphire Reserve Credit Card wins the headline effective-rate view in this pair.
| Category / metric | Chase Sapphire Reserve Credit Card | Hawaiian Airlines World Elite Mastercard | Winner |
|---|---|---|---|
| Dining | 3x points (3%) | 2x miles (3.6%) | Hawaiian Airlines World Elite Mastercard · 0.6 pts |
| Grocery | 1x points (1%) | 2x miles (3.6%) | Hawaiian Airlines World Elite Mastercard · 2.6 pts |
| Gas | 1x points (1%) | 2x miles (3.6%) | Hawaiian Airlines World Elite Mastercard · 2.6 pts |
| Travel | 4x points (4%) | 1x miles (1.8%) | Chase Sapphire Reserve Credit Card · 2.2 pts |
| Other | 1x points (1%) | 1x miles (1.8%) | Hawaiian Airlines World Elite Mastercard · 0.8 pts |
| Welcome bonus | ~$1500 estimated | ~$1440 estimated | Chase Sapphire Reserve Credit Card |
| Est. annual benefits | $57709/yr | $2385/yr | Chase Sapphire Reserve Credit Card |
| Annual fee | $795 | $99 | Hawaiian Airlines World Elite Mastercard |
| Holistic overall | 50 pts (cat 14, bonus 10, benefits 24, fee 2) | 50 pts (cat 26, bonus 10, benefits 1, fee 13) | Tie |
Madeen take
How to think about this pair
Chase Sapphire Reserve Credit Card and Hawaiian Airlines World Elite Mastercard split the win across categories, fees, and bonuses. Madeen's snapshot favors checking dining, grocery, and travel rows — not just each card's headline top category — before you pick a primary wallet card. Use Chase Sapphire Reserve Credit Card when Best for spenders who put meaningful volume in travel and can earn 4x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.. Use Hawaiian Airlines World Elite Mastercard when Best for spenders who put meaningful volume in dining and can earn 2x miles. The welcome bonus can help if you.
Strategy
Use Chase Sapphire Reserve Credit Card when Best for spenders who put meaningful volume in travel and can earn 4x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.. Use Hawaiian Airlines World Elite Mastercard when Best for spenders who put meaningful volume in dining and can earn 2x miles. The welcome bonus can help if you.
Hold both?
Chase Sapphire Reserve Credit Card and Hawaiian Airlines World Elite Mastercard overlap on some spend lanes — hold both only when each card wins a category you actually use.
Welcome bonus playbook
If you are chasing a welcome bonus, Chase Sapphire Reserve Credit Card leads on catalog bonus value. For long-term category earn after the bonus, Hawaiian Airlines World Elite Mastercard is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend.
Madeen analysis
Which card has stronger benefits: Chase Sapphire Reserve Credit Card or Hawaiian Airlines World Elite Mastercard?
Madeen estimates $57709 annual benefit value on Chase Sapphire Reserve Credit Card versus $2385 on Hawaiian Airlines World Elite Mastercard. Credits only matter if you will use them.
Chase Sapphire Reserve Credit Card
Total est. value: $57,709/yr
Credits and perks only help if you will actually use them in a typical year.
- Extended Warranty $10,000/yr
- Extended Warranty Protection $10,000/yr
- Purchase Protection $10,000/yr
- Trip cancellation and Interruption Insurance $10,000/yr
- DoorDash $3,600/yr
Hawaiian Airlines World Elite Mastercard
Total est. value: $2,385/yr
Credits and perks only help if you will actually use them in a typical year.
- Lyft $1,440/yr
- Mastercard Transit Benefit $200/yr
- World Elite Concierge $150/yr
- Instacart $140/yr
- Two Free Checked Bags $140/yr
Welcome bonus
Which welcome bonus is stronger for Chase Sapphire Reserve Credit Card or Hawaiian Airlines World Elite Mastercard?
If you are chasing a welcome bonus, Chase Sapphire Reserve Credit Card leads on catalog bonus value. For long-term category earn after the bonus, Hawaiian Airlines World Elite Mastercard is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend. Chase Sapphire Reserve Credit Card lists 150k Chase Ultimate Rewards; Hawaiian Airlines World Elite Mastercard lists 80k Alaska Airlines Atmos Rewards.
Chase Sapphire Reserve Credit Card
150k Chase Ultimate Rewards
Hawaiian Airlines World Elite Mastercard
80k Alaska Airlines Atmos Rewards
Caps & conditions
Caps and earn limits
Both Chase Sapphire Reserve Credit Card and Hawaiian Airlines World Elite Mastercard carry structured reward caps in the catalog. Compare the category that matters most before assuming the headline multiplier lasts all year.
Chase Sapphire Reserve Credit Card
- 4x points on flights purchased direct
- 3x points on dining worldwide
- 4x points on hotels purchased direct
Hawaiian Airlines World Elite Mastercard
- 2x MILES ON DINING
- 2x MILES ON GAS
- 2x MILES ON ELIGIBLE GROCERY STORE PURCHASES
Who should pick which
Scenario playbook
Cashback-first user
Pick Hawaiian Airlines World Elite Mastercard
Hawaiian Airlines World Elite Mastercard is the better cashback-style pick because it has the cleaner effective-rate and fee blend for this pair.
Travel & points user
Pick Chase Sapphire Reserve Credit Card
Chase Sapphire Reserve Credit Card is the stronger travel-style pick because it combines better reward value with more travel-friendly positioning.
No annual fee priority
Pick Hawaiian Airlines World Elite Mastercard
Hawaiian Airlines World Elite Mastercard is easier to keep for no-fee users because it has the lighter annual-fee burden in this pair.
Heavy dining spend
Pick Hawaiian Airlines World Elite Mastercard
For restaurant and dining-coded spend, the winner is whoever posts the stronger dining effective rate after caps and exclusions — see the category matrix for the current snapshot.
Heavy grocery spend
Pick Hawaiian Airlines World Elite Mastercard
Supermarket and grocery coding can differ from superstores and delivery, so compare the grocery row before you optimize a weekly shopping basket.
Welcome bonus chaser
Pick Chase Sapphire Reserve Credit Card
If you are chasing a welcome bonus, Chase Sapphire Reserve Credit Card leads on catalog bonus value. For long-term category earn after the bonus, Hawaiian Airlines World Elite Mastercard is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend.
Fee-sensitive keeper
Pick Hawaiian Airlines World Elite Mastercard
When you want the card that is easiest to keep year two, annual fee often matters more than a narrow category edge.
Decision guide
Which card is better between Chase Sapphire Reserve Credit Card and Hawaiian Airlines World Elite Mastercard?
Tie is the better overall pick because the weighted score across categories, bonus, benefits, and fee is effectively a tie. Chase Sapphire Reserve Credit Card and Hawaiian Airlines World Elite Mastercard split the win across categories, fees, and bonuses. Madeen's snapshot favors checking dining, grocery, and travel rows — not just each card's headline top category — before you pick a primary wallet card. Use Chase Sapphire Reserve Credit Card when Best for spenders who put meaningful volume in travel.
When should you pick Chase Sapphire Reserve Credit Card over Hawaiian Airlines World Elite Mastercard?
Choose Chase Sapphire Reserve Credit Card if Best for spenders who put meaningful volume in travel and can earn 4x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.. Best for travel-heavy spend when the $795 fee fits your usage; confirm issuer terms before applying.
Strengths
- Strongest Madeen category is travel at about 4% effective (4x points).
- That travel rate ranks higher than about 99% of cards we track in the category.
- No foreign transaction fee listed.
Tradeoffs
- $795 annual fee requires enough spend in bonus categories to offset.
- Multiple caps, activations, or exclusions may limit headline earn rates.
When should you pick Hawaiian Airlines World Elite Mastercard over Chase Sapphire Reserve Credit Card?
Choose Hawaiian Airlines World Elite Mastercard if Best for spenders who put meaningful volume in dining and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement.. Best for dining-heavy spend when the $99 fee fits your usage; confirm issuer terms before applying.
Strengths
- Strongest Madeen category is dining at about 3.6% effective (2x miles).
- That dining rate ranks higher than about 92% of cards we track in the category.
- No foreign transaction fee listed.
Tradeoffs
- $99 annual fee requires enough spend in bonus categories to offset.
- Multiple caps, activations, or exclusions may limit headline earn rates.
Common questions about Chase Sapphire Reserve Credit Card vs Hawaiian Airlines World Elite Mastercard
Which card is better between Chase Sapphire Reserve Credit Card and Hawaiian Airlines World Elite Mastercard?
Tie is the stronger overall fit because the weighted score across categories, bonus, benefits, and fee is effectively a tie. The overall winner depends on your spend mix — use the scorecard rows and scenario playbook to see where each card actually wins.
Which card wins on dining: Chase Sapphire Reserve Credit Card or Hawaiian Airlines World Elite Mastercard?
Hawaiian Airlines World Elite Mastercard leads dining at 3.6% effective versus 3%.
Which card is better for cashback users: Chase Sapphire Reserve Credit Card or Hawaiian Airlines World Elite Mastercard?
Hawaiian Airlines World Elite Mastercard is the better cashback-style pick between Chase Sapphire Reserve Credit Card and Hawaiian Airlines World Elite Mastercard.
Which welcome bonus is stronger between Chase Sapphire Reserve Credit Card and Hawaiian Airlines World Elite Mastercard?
If you are chasing a welcome bonus, Chase Sapphire Reserve Credit Card leads on catalog bonus value. For long-term category earn after the bonus, Hawaiian Airlines World Elite Mastercard is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend.
Which card has stronger benefits: Chase Sapphire Reserve Credit Card or Hawaiian Airlines World Elite Mastercard?
Chase Sapphire Reserve Credit Card leads on estimated annual benefit value in the Madeen snapshot.
Which card has the lower annual fee: Chase Sapphire Reserve Credit Card or Hawaiian Airlines World Elite Mastercard?
Hawaiian Airlines World Elite Mastercard has the simpler fee story in this pair ($795 vs $99). Annual fee only wins if you use the rewards and credits that justify it.
Is Chase Sapphire Reserve Credit Card or Hawaiian Airlines World Elite Mastercard better for travel spend?
Chase Sapphire Reserve Credit Card is the stronger travel-style pick between Chase Sapphire Reserve Credit Card and Hawaiian Airlines World Elite Mastercard in this snapshot.
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Reviewed by Madeen editorial review
Catalog snapshot 2026-05-01
Updated 2026-06-25
Content tier Premium depth
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