With a credit card, you can carry a balance and accrue interest if necessary. Note this is not advised by me. The points game does not work well, if you are carrying a balance and accruing interest. See #4 in Let’s Get Started To Earning Free Travel.
$89 annual fee
2. Earn 1X miles on all other purchases
You can earn 20,000 bonus miles on your account anniversary with $50K-$99K in annual spend, or 40,000 bonus miles with $100K or more in annual spend.
Pay no foreign transaction fees when you use your card on purchases made outside the United States.
Receive a one-time 50% off companion discount for roundtrip coach travel
between Hawaii & North America on Hawaiian Airlines. This one-time 50% off discount is valid for 13 months from account open date.