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 one-on-one strategy call and a card plan built around island life.
Get your free strategy callEducational guidance only. Not financial advice. Individual results vary based on card approval, spending, and redemption choices.
coached
& miles
the ʻohana
from Scottie
Everything included in the ʻOhana Program
Free 1-on-1 strategy 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.
Custom card recommendations
A personalized roadmap of which cards to explore, in what order, and when, designed to maximize welcome offers for your 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, 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 Program 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.
Get your free strategy call
Enter your name and number. Scottie personally reaches out within 24 hours to get you started. 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
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.You get a personalized card roadmap
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 and 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 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 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 Program 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 Program 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 Program 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 Program 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 Program 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 Program member
About these testimonials: All quotes are from Hawaii Reward Travel ʻOhana Program 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 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?
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 one-on-one call. Scottie reaches out within 24 hours.
Start free — take me to the formImportant 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. 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.