Join our Program

Recieve personalized 1-on-1 guidance to maximize your points and miles for travel.

Aloha! My name is Scott Kobayashi, I’m here to help you apply for the best cards and earn the right type of points & miles for FREE TRAVEL.

My primary function is to share what I've learned over the years about the optimum ways to accumulate travel rewards points. 

I provide a FREE consultant service to recommend the best credit cards & travel option for clients

If you become a client, I will help you:

✅ Earn 415,000 points—worth about $8,300 in travel—using just five credit cards! I’ve helped others achieve this, and you can too.

✅ Avoid the mistake of chasing bonuses without a plan. I’ll create a strategy tailored to maximize your rewards.

✅ Guide you to the best options for your travel goals - Not all points /miles are equal.

✅ Keep Credit Card Annual fees as low as possible.

Here is what you need to start your accelerated plan!

  1. A credit score of at least 700

  2. An average monthly minimum spend of $1,800 for one year (not including housing). This is so that you can timely meet the sign-up bonus spending.

  3. Book a phone call (down below) with me to walk you through this strategy Step by Step and APPLY for the first Card.

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

After our first phone consultation, I will let you know your first 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. Looking forward to connecting with you over the phone.

Client Testimonies

  • Justin & Marlene Sedono

    Scottie is an absolute wizard when it comes to maximizing credit card points for luxury travel! Thanks to his guidance, my husband and I flew FIRST CLASS on ANA Suite for the first time ever—a once-in-a-lifetime experience we never thought was possible. Two seats that would have cost $24,000 only cost us $342, all because Scottie showed us exactly which credit cards to get and how to use our points effectively. He walked me through every step of the process, making it so easy to turn points into an unforgettable adventure. I’m so grateful for Scottie’s expertise and can’t wait to plan even more luxury travel with his help. If you’re dreaming of flying in style without breaking the bank, Scottie is your go-to!

  • Darryl & Claudie Yamada

    “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!”

  • Dan & Rhonda Higashihara

    “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!”

  • Daniel & Shira Peters

    “7 years ago, I only used Hawaiian Air miles for the occasional free flight. After working with Thecredithacker, we have accumulated over 1.4 million points through normal spending, referrals, and intentional sign up bonuses. We have traveled the world and haven’t paid for flights, hotels, or car rentals in over 4 years (except for taxes)! Our card balances are paid in full every month, both our credit scores have increased over 800, and Thecredithacker strategy allows us to have enough points each year to travel wherever we want to go!

  • Ryan & Hilary Kobayashi

    “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.”