Become an
ʻOhana Member
Free 1 to 1 coaching for Hawaiʻi locals who want to travel more with credit card points and miles. It starts with a personal onboarding call with Scottie and a card plan built around island life.
Book your onboarding callEducational guidance only. Not financial advice. Individual results vary based on card approval, spending, and redemption choices.
coached
& miles
a member
from Scottie
What every ʻOhana Member gets
Personal coaching from Scottie and the HRT team, plus your own HRT dashboard that we help keep current.
1 to 1 onboarding call
Your first step. Scottie talks through your travel goals, credit profile, and spending, then builds a card strategy around your real life in Hawaiʻi.
Your card roadmap, by text
Which cards to explore, in what order, and when. We text you when it is time for your next step, so you never have to guess.
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.My Wallet, managed for you
Your cards, annual fees, credits and renewal dates in one place on your HRT dashboard. Open a new card and we add it for you.
Every free HRT tool
Kamaʻāina hotel deals, the HNL Lounge Map, live transfer bonuses, points valuations and the Atmos calculators, all in your dashboard.
Your ʻOhana Member badge
Your dashboard shows ʻOhana Member so our team knows you are one of ours.
Real flights. Real members. Real points.
Snapshots from ʻOhana Members' actual award redemptions, booked with credit card points and miles. Shared with member permission.
Premium cabin redemption†
Booked on points†
Award flight from Hawaiʻi†
ʻOhana family trip†
Premium cabin†
Member points redemption†
Member adventure†
Booked with points†
ʻOhana family on tour†
Award redemption†
† Photos shared with permission from ʻOhana Members. Any 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 HawaiianMiles 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.
† Estimated retail value based on published fares at time of booking. Out-of-pocket cost reflects taxes and carrier-imposed fees only. Individual results vary. Award availability and required points are not guaranteed and change frequently.
Book your onboarding call
Enter your name and number. Scottie personally reaches out within 24 hours to set up your onboarding call. This is a real 1 to 1 conversation, not an automated sequence.
What happens after you sign up
Your 1 to 1 onboarding call
Scottie reaches out personally to schedule your call. You'll talk through your travel goals, current cards, and spending, then build a starting plan together.
Educational guidance only. Not financial advice.Your card roadmap and dashboard
You get your card plan, built around local Hawaiʻi spending, and your own HRT dashboard login. We set up My Wallet with your cards and text you when it is time for the next step.
Approval for any card is at the sole discretion of the issuing bank.You start earning and redeeming
Scottie coaches you through earning points and booking award travel, whether that's inter-island, mainland, Japan, or wherever your ʻohana wants to go. Your dashboard keeps your credits and deadlines in view.
Redemption value varies based on how and when points are used.One HRT account, three ways to use it
Everyone gets the free HRT tools. ʻOhana Members add personal coaching. HRT PRO is an optional paid add-on for award seat hunters.
Free Tools
For every Hawaiʻi traveler
- Kamaʻāina hotel deals by island
- HNL Lounge Map and Resy Hawaiʻi Map
- Transfer bonuses and points valuations
- My Wallet for your card fees and credits
ʻOhana Member
1 to 1 coaching with Scottie and the HRT team
- Everything in Free Tools
- 1 to 1 help picking your next best card, over text
- A plan built around your travel goals
- We keep your My Wallet up to date for you
- ʻOhana Member badge on your account
HRT PRO
Optional add-on for award seats
- Everything in Free Tools
- Atmos Award Calendar, about 270 days out
- Fresh award space every morning
- Customize the deal wall on your dashboard
ʻOhana and HRT PRO are separate. ʻOhana Members can add HRT PRO any time. Cancel PRO any time in one click.
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 Atmos Rewards as transfer partners, not generic cashback that ignores transpacific routes.
Local spending, local strategy
Safeway, Costco, local dining. Your daily spending here is different, and the right card strategy should reflect island life instead of assuming you commute 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 ʻOhana Members are saying
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.Josh CabaneroʻOhana Member
Seven years ago, we only used HawaiianMiles 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 four years, just the taxes. We pay our cards off monthly, credit scores both over 800.Daniel & Shira PetersʻOhana Members · 7 years
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!Darryl & Claudie YamadaʻOhana Members
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.Marlene & Justin SedonoʻOhana Members
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.Ryan & Hilary KobayashiʻOhana Members
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.Chad OkamuraʻOhana member · 1 year
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.Dan & Rhonda HigashiharaʻOhana Members
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.Tom LundellʻOhana Member
About these testimonials: All quotes are from Hawaii Reward Travel ʻOhana Members and are shared with their permission. Individual results vary significantly. Every member applied for cards independently, and approval is at the sole discretion of the issuing bank. Results reflect each member's own spending, card combinations, welcome offer completion, and redemption choices, and are not a guarantee of future outcomes. Strong credit scores require responsible card use and on-time payments. † Estimated retail values reflect published fares or program valuations at the time of the original redemption; out-of-pocket costs reflect taxes and carrier-imposed fees only.
ʻOhana Member FAQ
Is becoming an ʻOhana Member 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 onboarding call?
What is the HRT dashboard?
What is the difference between ʻOhana and HRT PRO?
Do I have to apply for cards through your links?
Is this financial advice?
Make your points work
like an island local
Join 400+ Hawaiʻi families already using credit card points and miles to travel more. It starts with a free 1 to 1 onboarding call. Scottie reaches out within 24 hours.
Book my onboarding callImportant 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, and 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. Becoming an ʻOhana Member 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.