Join the Free
ʻOhana Program
Hawaiʻi's community for locals who want to travel more using credit card points and miles. Start with a free 1-on-1 strategy call — get a card plan built around your life on the island.
Educational guidance only. Not financial advice. Individual results vary based on card approval, spending, and redemption choices.
Fill Out the Form — It's Free ↓Coached
& Miles
The ʻOhana
From Scottie
Everything Included in the ʻOhana Program
Free 1-on-1 Strategy Call
Your first step. Scottie connects with you personally to understand your travel goals, credit profile, and spending — and builds a card strategy around your real life in Hawaiʻi.
Custom Card Recommendations
A personalized roadmap of which cards to explore, in what order, and when — designed to maximize welcome offers based on your individual situation. Approval subject to issuer criteria.
Redemption Coaching
Learn how to use your points for award flights and hotels from Hawaiʻi — inter-island, mainland, Japan, and beyond. Redemption value varies.
Real Flights. Real Members. Real Points.
Snapshots from ʻOhana Program members' actual award redemptions — international business class, premium cabins, and dream destinations booked using credit card points and miles. Shared with member permission.
† Photos shared with permission from ʻOhana Program members. Estimated retail values reflect specific past redemptions and are not guaranteed. Award availability, points required, and cash equivalent values vary by route, date, and program. Individual results vary significantly based on card approval, spending behavior, and redemption choices. Approval for any credit card is at the sole discretion of the issuing bank.
From Hawaiian Miles only
to ANA First Class for $342.
"Thanks to Scottie's guidance, my husband and I flew First Class on ANA Suite — an estimated $24,000† experience that only cost us $342 in taxes and fees. He showed us exactly which cards to consider and made the whole process easy."
Join the ʻOhana — Get Your Free Strategy Call
Enter your name and number below. Scottie will personally reach out within 24 hours to get you started. Spots are limited — this is a real one-on-one conversation, not an automated sequence.
What Happens After You Join
You Get a Free 1-on-1 Strategy Call
Once you join, Scottie reaches out personally to schedule your call. You'll talk through your travel goals, your current cards, your spending — and build a starting plan together. Educational guidance only. Not financial advice.
You Get a Personalized Card Roadmap
Based on your call, Scottie walks you through card options worth exploring — which cards, in what order, and when — built around local Hawaiʻi spending and your travel goals. Approval for any card is at the sole discretion of the issuing bank.
You Start Earning & Redeeming
Scottie coaches you through earning points efficiently and booking award travel — whether that's inter-island, mainland, Japan, or wherever your ʻohana wants to go. Redemption value varies based on how and when points are used.
Why the ʻOhana Program Works for Island Families
The Hawaiʻi Problem
Most points content is built for mainland travelers flying from hub cities. We're flying transpacific from HNL, OGG, or KOA — the strategy is completely different.
Transfer Partners Matter Here
The right cards for Hawaiʻi families are the ones with ANA, JAL, and Hawaiian Airlines as transfer partners — not generic cashback that ignores transpacific routes.
Local Spending, Local Strategy
Safeway, Costco, local dining — your daily spending here is different. The right card strategy should reflect island life, not assume you're commuting in New York.
Always Free for You
HRT may earn a commission when you're approved through our links. You pay nothing extra. Same model as every major points site — but with a local guide who knows your routes.
Educational content only. Not financial advice. All card guidance is based on general travel patterns for Hawaiʻi residents. Your individual situation, creditworthiness, and financial goals should guide all decisions. Scottie Kobayashi is not a licensed financial advisor.
What Members Are Saying
Individual results vary. All members applied for cards independently — approval is subject to issuer criteria. Estimated values reflect specific award redemptions, not guaranteed outcomes.
"Late last year, I met Scottie and learned how powerful credit card points can be for travel. Thanks to his help, my family booked ANA First Class from Honolulu to Tokyo for under 45,000 points each — an estimated $13,000† experience we'll never forget."
"Thanks to Scottie's guidance, my husband and I flew First Class on ANA Suite — an estimated $24,000† experience that only cost us $342 in taxes and fees. He showed us exactly which cards to consider and made the whole process easy."
"Seven years ago, we only used Hawaiian miles for occasional flights. After working with Scottie, we've earned over 1.4 million points and haven't paid for flights, hotels, or car rentals in over 4 years — just the taxes. We pay our cards off monthly, credit scores both over 800."
"We had an incredible anniversary in Japan because of the info from Scottie. We stayed at two beautiful hotels completely on points. Thanks, Scott — you are the best!"
"Thanks to Scottie we flew business class round trip to Japan on ANA's Honu airbus! We experienced first class lounges and service on our international flights for the very first time."
"In just one year I've booked multiple family trips to the East Coast — flights, hotels, and car rentals mostly covered by points. Scott completely transformed how I think about travel."
"Thanks to Scottie, we had the time of our lives in Korea and Japan with dear friends. All it took was understanding which credit card to use — the right card made the whole trip possible."
"Scottie helped my wife and me travel first class to visit our son in Korea — for far less than the price of coach. His knowledge of transfer partners and creativity made it happen."
ʻOhana Program FAQ
Is the ʻOhana Program really free?
Do I need great credit to benefit from this?
Will applying for cards hurt my credit score?
How is HRT different from The Points Guy or NerdWallet?
How long until I can book a free trip?
What happens on the free strategy call?
Do I have to apply for cards through your links?
Is this financial advice?
Ready to make your points
work like an island local?
Join 400+ Hawaiʻi families already using credit card points and miles to travel more. Start with a free 1-on-1 call — Scottie will reach out within 24 hours.
Start Free — Take Me to the Form ↑Important Disclosures
Advertiser Disclosure: Hawaii Reward Travel may receive compensation from card issuers and affiliate networks when a customer clicks on a link, when an application is approved, or when an account is opened. Opinions, reviews, analyses & recommendations are the author's alone and have not been reviewed, endorsed, or approved by any bank, card issuer, or other entity.
Results Disclaimer: Member testimonials, photos, screenshots, and points figures represent individual outcomes based on specific card combinations, welcome offer completion, spending habits, and award redemptions. They are not a guarantee of future results. Joining the ʻOhana Program does not guarantee card approval or any specific travel value. †Any estimated dollar values reflect retail fares or program valuations at the time of the original redemption and are not a current offer or guarantee.
Member Photos & Screenshots: All member photos and screenshots displayed on this page are shared with the consent of the individuals depicted. Personal information has been redacted where applicable.
Not Financial Advice: All content is for educational and informational purposes only. Nothing here constitutes financial, legal, or tax advice. Scottie Kobayashi is not a licensed financial advisor. Card approval is at the sole discretion of the issuing institution.
Card Information: For current terms, welcome offers, and annual fees, always refer to the card issuer's official website before applying.