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All comparisons
Head-to-head, 2026

American Express Gold Barclays Hawaiian Airlines® World Elite Business Mastercard®

American Express Gold

$325/yr

Gold
Hawaiian Airlines® World Elite Business Mastercard®

Barclays Hawaiian Airlines® World Elite Business Mastercard®

$99/yr

Every $1 · two cards

American Express Gold earns more in 7 of 9 categories · Barclays Hawaiian Airlines® World Elite Business Mastercard® in 1

  • Dining
    4×8¢ per $1

    up to $50,000/yr

    2×3.1¢ per $1
  • Groceries
    4×8¢ per $1

    up to $25,000/yr

    1×1.55¢ per $1
  • Gas
    1×2¢ per $1
    2×3.1¢ per $1
  • Flights
    3×6¢ per $1
    3×4.65¢ per $1
  • Hotels
    5×10¢ per $1

    via amextravel.com

    1×1.55¢ per $1
  • Everything else
    1×2¢ per $1
    1×1.55¢ per $1

Value per $1 uses the same point values as Discover Value: cash back at face value, points at Perqt's value for each program. Rates that apply all the time are shown, with caps and booking sites named; limited-time, spend-threshold and pick-one bonuses are in each card's full review. Annual fees and welcome offers are not counted here.

Fees, welcome offers & benefits

Lower annual fee: Barclays Hawaiian Airlines® World Elite Business Mastercard®

American Express

Gold

Annual fee
$325
Network
amex
Welcome value
—
Min spend
$8,000 / 6mo

Top earning rates

  • 5×Prepaid hotels · Membership Rewards
  • 4×US supermarkets · Membership Rewards
  • 4×Restaurants worldwide · Membership Rewards
  • 3×Flights · Membership Rewards

Key benefits

  • The Hotel Collection $100 Credit · $100
  • $100 Resy Credit · $50
  • $120 Dining Credit · $10
  • $120 Uber Cash · $10
  • $84 Dunkin' Credit · $7
Full American Express Gold review

Barclays

Hawaiian Airlines® World Elite Business Mastercard®

Annual fee
$99
Network
mastercard
Welcome value
$600
Min spend
$4,000 / 3mo

Top earning rates

  • 3×Airfare · Atmos Rewards
  • 2×Office supplies · Atmos Rewards
  • 2×Gas · Atmos Rewards
  • 2×Dining · Atmos Rewards

Key benefits

  • No Foreign Transaction Fees · $0
  • Atmos™ Rewards Dining · $0
  • Status Points Toward Atmos Rewards Status · $0
  • Huaka‘i by Hawaiian Fare Deals · $0
  • Annual Spend Bonus Atmos Rewards Points (Spend Tier) · $0
Full Barclays Hawaiian Airlines® World Elite Business Mastercard® review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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