Turn Credit Cards Into Free Travel

Join our FREE program and earn up to 415,000 points—worth $8,300 in travel.

Aloha!

My name is Scott Kobayashi, and I help Hawaii locals earn 415,000+ points in 12 months using the RIGHT credit cards. Let me show you how—step by step.

My primary function is to share with you what I've learned over the years about the optimum ways to accumulate travel rewards points and also avoid common mistakes most of us make when starting off with travel credit cards.

1.How the Program Works

Forget blogs, YouTube, and guesswork.
Our Accelerated Program gives you a step-by-step strategy to earn points fast and actually use them for travel. We walk with you like ohana.

✅ Step-by-Step Plan:

  • Step 1: Free Consultation
    We hop on a call to understand your goals, credit profile, and travel dreams.

  • Step 2: Your Personalized Card Plan
    We recommend the right cards, track your bonuses, and make sure you’re always maximizing your spending.

  • Step 3: Earn & Redeem
    We’ll help you use your points the right way with flights, hotels, or both so you get the most value.

2. What You Can Earn?

What’s possible when you follow the plan?

✅ 90,000+ points from ONE card
✅ $1,000+ in free travel per bonus
✅ Up to 415,000 points in your first year, worth up to $8,300 in Free Travel.
✅ Business & first class flights from Hawaii
✅ Hotel stays with Hilton, Hyatt, and Marriott

“I booked roundtrip flights for my whole family to New York—hotel and rental car included—all on points!”
— Aunty Sharon, Kaneohe

3. Why Locals Love This Program

🚫 No guesswork, just real advice from locals, for locals!

📲 Hands-on support via text, email, and phone

💰 It’s FREE to join—we only earn if you apply through our links

🏝️ Strategies tailored for Hawaii-based spending and travel

4. Let’s Get You Started

“The sooner we start, the sooner you're booking that free flight.

Fill out the form below, and I will email you questions to get you started.

🔒 100% Free – No Hidden Fees
💳 We only earn when you apply through our card links—at no cost to you.
🙌 Real help from a real local (not a blog or bot)

Once you submit your request, I will reach out to you within the next 24 hours via email.

After our phone consultation, I will let you know which card to apply for.

OUR COST = FREE!

I don’t charge anything for our service!

I get a small commission for every credit card you apply through me with NO COST TO YOU!

Check out below, I was able to help some clients recently with this strategy.

Client Testimonies

  • Late last year, I met Scottie and learned how powerful credit card points can be for travel. I used to rely on my card’s booking portal, but Scottie showed me how transfer partners and bonuses open up way better options. Thanks to his help, my family booked ANA First Class from Honolulu to Tokyo for under 45,000 points each—a $13,000 experience we’ll never forget. If you’re sitting on points and don’t know what to do with them, hit him up!

    Josh Cabanero

  • “We had an incredible anniversary in Japan because of the info that I received from Credit Hacker. We stayed at two luxurious hotels in Japan for free because of what we learned from Credit Hackers. Thanks Scott, you are the best!”

    Darryl & Claudie Yamada

  • Seven years ago, we only used Hawaiian miles for an occasional free flight. After working with Thecredithacker, 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, our credit scores are both over 800, and now we have enough points to travel wherever we want, every year.”

    Daniel & Shira Peters

  • Scottie is a wizard with credit card points! Thanks to his guidance, my husband and I flew FIRST CLASS on ANA Suite—a $24,000 experience that only cost us $342. He showed us exactly which cards to get and made the process easy. If you want luxury travel without the luxury price tag, Scottie is your go-to!

    Marlene & Justin Sedono

  • “Thanks to The Credit Hacker we we’re able to fly business class round trip to Japan on ANA’s double decker honu airbus! We experienced first class service in the lounges and on our long international flights for the first time and now my wife and I can’t look back.”

    Ryan & Hilary Kobayashi

  • “Thanks to the Credit hacker, we were able to have the time of our lives traveling to Korea and Japan with our dear friends! All it took was using a different credit card! Thanks for your guidance, Scottie!”

    Dan & Rhonda Higashihara

  • Before meeting Scott in February 2024, I was using cash-back cards and didn’t know how to make the most of my travel points. He showed me how to choose the right cards and use points strategically—and everything changed. In just one year, I’ve booked trips to the East Coast, New Jersey, and New York for me and my family, with flights, hotels, and car rentals mostly covered by points. Scott’s tips completely transformed how I travel. If you’re sitting on points, talk to him. He’s a game-changer!

    Chad Okamura