Hawaii Reward Travel may receive compensation through our partnership with advertisers when you click on links to offers on this site. Terms apply to the offers listed on this page. Opinions expressed here are the author's alone and are not those of any bank, credit card issuer, airline, or hotel chain.
For the most up-to-date terms and conditions on any credit card offer, always refer to the official credit card application on the issuer's website.
Transparency Is Everything
Yumi Consulting LLC d/b/a Hawaii Reward Travel may receive financial compensation when you click on certain links on this website and take qualifying actions — such as applying for and being approved for a credit card. This disclosure is made in accordance with the Federal Trade Commission's guidelines on endorsements and testimonials (16 CFR Part 255). Our editorial opinions are always our own and are never influenced by compensation.
How Hawaii Reward Travel Makes Money
Hawaii Reward Travel is a free resource for the Hawaii community. We do not charge our ʻOhana Program members or consulting clients for guidance. To sustain our work and continue providing free content, tools, and resources, we earn revenue through affiliate marketing partnerships.
Specifically, we may earn a commission when a visitor to our site:
- Clicks on a credit card affiliate link and submits an application
- Is approved for a credit card through a link on our site
- Opens an account or completes a transaction through a partner referral link
Our current affiliate partners, The Flight Wall, Rakuten Advertising, and direct credit card issuer affiliate programs. This list may change over time as we add or remove partnerships.
Card Information & Issuer Relationships
Some card information on this site has been collected independently by the HRT editorial team and has not been reviewed or provided by the card issuer. Product details — including welcome offers, annual fees, APRs, and earning rates — may vary and are subject to change without notice. For current terms and conditions on any card, always refer to the issuer's official website before applying.
Terms Apply. See Rates & Fees at americanexpress.com for each specific card.
All offers are for new cardmembers only and subject to credit approval. Verify current offers at chase.com.
Offers subject to credit approval. Verify current terms at capitalone.com.
Our Editorial Independence
The existence of an affiliate relationship with any company does not influence which products we recommend, how we rank them, or what we say about them. Our goal is always to help you find the best option for your specific situation — regardless of whether we earn a commission. Compensation may affect which products appear on our site and sometimes the order in which they are presented. Our recommendations and written opinions are formed independently of our affiliate relationships.
Our Core Principles
Honest Recommendations
We only recommend credit cards and products we genuinely believe provide value to Hawaii locals and travelers. Cards in the ʻOhana Program are the same ones we'd recommend to our own family.
Full Transparency
We disclose affiliate relationships clearly so you always know when a link may earn us a commission. The FTC requires this and we embrace it fully.
Community First
HRT was built to serve Hawaii locals. Our content, tools, and consulting are designed around your needs — not our revenue. We are not a bank and are not paid to endorse any specific card.
No Hidden Costs
Using our affiliate links never costs you anything extra. You pay the same price whether you apply through our link or go directly to the issuer's website.
Credit Card Information Disclaimer
Credit card offers, bonus amounts, annual fees, APRs, reward structures, and program details are subject to change at any time without notice by the issuing financial institution. While we make every effort to keep our content accurate and up to date, we cannot guarantee that every offer on our site reflects the most current terms.
Before applying for any credit card, review the full terms and conditions on the card issuer's official website. Approval for any credit card is subject to the issuer's underwriting criteria and is not guaranteed.
Nothing on this website constitutes financial advice. See our Terms & Conditions for our full disclaimer.
FTC Compliance
This Affiliate Disclosure is provided in compliance with the Federal Trade Commission's regulations at 16 CFR Part 255, which require clear and conspicuous disclosure of any material connection between an endorser and the company whose products are recommended. Yumi Consulting LLC d/b/a Hawaii Reward Travel takes this requirement seriously and is committed to full transparency with our audience.
Yumi Consulting LLC d/b/a Hawaii Reward Travel
Waipahu, Hawaii
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