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Credit Card Optimization Made Effortless

What you don't know will cost you thousands of dollars in free travel, points, and cash-back...

Stop missing out and get your complimentary credit card consultation today!

SCHEDULE YOUR FREE CREDIT CARD CONSULTATION

When you’re thinking about getting a new credit card, you don’t want to waste hours doing your own research, and you definitely don’t want to risk making the wrong decision.

With AuPACS, it’s never been easier to get the help you need to maximize credit card rewards. You’ll have assurance that the recommendations you’re getting are the best.

Stephen Au

With over $2MM+ in luxury travel booked, I lead by example

                                                                                There’s a formula to credit card optimization and I know it.

                                                                                                        Hi, I’m Stephen!

                                                                                                      I’m the founder of AuPACS, the best consulting service for maximizing credit card rewards.

                                                                                                        I’m also the chief points writer at Upgraded Points, the 2nd largest points blog in the world, with more than 2 million unique monthly visitors.

                                                                                              Through Upgraded Points, I’ve invested years cementing myself as the foremost expert in credit card rewards and luxury travel by learning the in’s and out’s of credit card rewards and travel.

 

Schedule your free credit card consultation

Stephen Au

With over $2MM+ in luxury travel booked, I lead by example

                                                                                There’s a formula to credit card optimization and I know it.

                                                                                                        Hi, I’m Stephen!

I’m the founder of AuPACS, the best consulting service for maximizing credit card rewards.

                                                                                                        I’m also the chief points writer at Upgraded Points, the 2nd largest points blog in the world, with more than 2 million unique monthly visitors.

Through Upgraded Points, I’ve invested years cementing myself as the foremost expert in credit card rewards and award travel by learning the in’s and out’s of credit card rewards and travel.

 

Schedule your free credit card consultation
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Get Ultra-Personalized Points Help

We take into account your entire personal situation when providing a credit card recommendation. Your spending habits, credit score, and existing credit cards are among the factors we examine during your consultation.  

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Get the Most Out of Your Points and Miles

We’ll recommend the best credit cards for your goals, whether it’s a first class trip to South Africa or maximizing cash-back rewards.

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Be Confident You’re Doing It Right

Transferable points. Airline miles. Annual fees. Luxury Travel. Cash-back. High spending limits. Balance transfers. 0% APR. Whatever you’re looking for, you’ll be 100% confident it’s done the right way with AuPACS.

Getting credit card points help is now easier than ever.

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World-Class Expert Advice In One Place

Nobody gets credit card points faster or is better at optimizing credit card portfolios than us. Whether you’re frequently signing up for new credit cards or are looking for a “one-and-done” credit card product, we’re the best in the business. Period.

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Maximize Credit Card Application Odds

We’ll help you avoid getting declined for credit card applications and denied for credit card bonuses to help you navigate miles and points effectively. 

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Complimentary Recommendations With No Hidden Fees Or Gotchas

We earn a small commission when you sign up for certain credit cards through us. It comes at no additional cost to you. 

OPTIMIZE YOUR CREDIT CARDS

⭐⭐⭐⭐⭐

Rated 4.9 out of 5 stars

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I love keeping AuPACS in my back pocket. They help me accumulate the most points and book first class flights using points.

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AuPACS helps me maximize my business spending so that I can book luxurious vacations for my family.

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AuPACS really takes all of the headache out of credit card rewards with its scientific approach to points and award travel.

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I never thought it was possible, but AuPACS has helped me get lots of cards with different banks while increasing my credit score!

"

Even after my itinerary is booked, AuPACS keeps track of even better flights that we can easily change to!

"

AuPACS is the best at what they do: maximizing credit card rewards for luxury travel.
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Why is AuPACS better than everybody else?

We offer the best credit card rewards optimization recommendations in the world.

Whatever your situation, we empower you to earn tons of points without spending big.

I'm not a frequent traveler. Will AuPACS be useful to me?

As long as you like the idea of banking up lots of points or rewards, AuPACS will add tremendous value to you. By investing in 1 phone call, we’ll set you on the right track to earn tons of rewards and using them to get tens of thousands of dollars in value. 

I don't understand credit card points and miles. Is AuPACS too complicated?

No. Even if you want cash-back rewards, AuPACS will give you the most customized and best recommendations out there. All you need to do is schedule your 1-on-1 consultation.

Learn how AuPACS can elevate your credit card game

OPTIMIZE YOUR CREDIT CARDS

“AuPACS is like a wealth management company, but with points.”

Anne J.

Interior Design Firm President

“I love how AuPACS walks me through the best cards to get, when to get them, and how much to spend on them.”

James S.

Prominent Internet Entrepreneur

“AuPACS is a one-stop shop that I use to plan my journey with rewards and travel. By learning how to earn points quickly and then spending them for unforgettable business and first class vacations, I’m easily able to travel comfortably to places like Thailand, Japan, and Europe.”

Edward K.

Brokerage Firm Partner

 “AuPACS helps me earn and redeem lots of points, and we’ve been able to take luxurious dream vacations to Australia and France, thanks to credit card rewards optimization!”

Shelby I.

President of Real Estate Firm

 “AuPACS makes sure I always stay on track to earn as many points as possible. They always take care of booking my business class flights for way fewer points than I even thought was possible. Thank you for upgrading my travel and for your education, as always!”

Christine S.

Real Estate Investor

 “Can you imagine a luxury travel agency that’s also super smart with credit cards and points? That’s exactly what AuPACS is!”

Adam M.

Healthcare Executive

 “What makes AuPACS unique to me is the personalized credit card planning and travel booking. Having someone walk you through the entire travel process from earning to booking is incredibly reassuring. I would recommend AuPACS to anyone!”

Eric L.

Product Manager at Bain Capital Portfolio Company

“AuPACS provides incredible value to my Points & Miles earning and spending adventures. Stephen and his team not only helped guide me through which credit cards I could apply at what time, but also assisted in finding the award availabilities that matched our travel plans.

With AuPACS’s help, I was able to book premium class seats on international flights, and premium hotel stays for myself and my family in Africa, Europe, and Middle East during the 2020-2021 pandemic.

Stephen’s unparalleled in-depth knowledge on various airline carriers and hotel brands is extremely helpful when planning such a trip. He is also very responsive to my various points and miles questions. I highly recommend AuPACS to anyone who wants to get started in the points and miles game.”

Alex C.

Founder and CEO at Direct Mortgage Lending Company

OPTIMIZE YOUR CREDIT CARDS

Keep Pace with Travel and Points

The points travel landscape is constantly shifting.

Read up on the latest changes in the industry.

Ready to Think Big?

Let us help transform how you approach credit card optimization.

OPTIMIZE YOUR CREDIT CARDS

Your access and use of this website are subject to our Terms of Service. Any recommendations from AuPACS are further governed by our Terms of Service.

AuPACS provides access to points consultants at your direction. AuPACS is not a credit repair or counseling firm and does not provide any services associated with (1) Improving a buyer’s credit record, history, or rating on behalf of a buyer; (2) Obtaining a loan or other extension of credit on behalf of a buyer; or (3) Providing advice or assistance to a buyer with regard to either paragraph (1) or (2).

AuPACS is a registered trademark of Au Points and Awards Consulting Services, LLC. AuPACS is not affiliated with any third party companies and nothing on this site or otherwise is intended to imply that third party companies endorse or approve of AuPACS or its services.