The Hawaiian Airlines credit card, specifically the Hawaiian Airlines World Elite Mastercard, is issued by Barclays Bank Delaware.
Understanding the Issuer of the Hawaiian Airlines Credit Card
When you apply for a co-branded credit card like the Hawaiian Airlines World Elite Mastercard, the financial institution responsible for issuing the card, extending the credit, and managing the account is a bank. In this case, Barclays Bank Delaware holds this crucial role. They operate under a license from Mastercard International Incorporated, which means the card runs on the Mastercard payment network.
This partnership structure is common in the credit card industry, allowing airlines to offer loyalty rewards while leveraging the banking expertise and infrastructure of a major financial institution.
Key Players in the Hawaiian Airlines Credit Card Program
To clarify the roles, here's a breakdown of the primary entities involved:
| Role | Entity |
|---|---|
| Issuer | Barclays Bank Delaware |
| Airline | Hawaiian Airlines |
| Network | Mastercard International Incorporated |
| Card Type | World Elite Mastercard |
The issuer, Barclays Bank Delaware, is responsible for:
- Processing applications
- Managing accounts
- Handling billing and payments
- Providing customer service related to the card itself
Hawaiian Airlines, on the other hand, manages the loyalty program, including the accumulation and redemption of HawaiianMiles.
How Co-Branded Credit Card Partnerships Work
Co-branded credit cards are a strategic alliance between a financial institution and a non-financial company, such as an airline, retailer, or hotel chain. Here's a simplified explanation of how these partnerships function:
- Bank's Role: The bank (e.g., Barclays Bank Delaware) is the legal and financial entity that issues the credit line, handles all financial transactions, and is ultimately responsible for the credit card accounts. They bear the financial risk and manage the regulatory compliance.
- Partner's Role: The partner (e.g., Hawaiian Airlines) provides the branding, customer base, and the loyalty program structure (miles, points, elite status benefits). They benefit from increased customer loyalty and potentially a revenue share from the bank.
- Network's Role: The payment network (e.g., Mastercard, Visa, American Express) provides the infrastructure for transactions to be processed globally. They ensure that cards are accepted at millions of merchants worldwide.
This model allows consumers to earn rewards directly related to a brand they frequently use, while the bank handles the complexities of credit card operations.
For more detailed information regarding the Hawaiian Airlines World Elite Mastercard, you can visit the official Barclays US cards website: Hawaiian Airlines® World Elite Mastercard®
