About PointBagel

PointBagel exists because I got tired of bad data.

Every tool I tried either had wrong earning rates, ignored category spend caps, or ranked cards by which issuer paid them the most instead of which card actually earned me the most. I was managing a multi-card portfolio across Chase, Amex, Capital One, Citi, and Bilt, and I couldn't find a single tool I trusted.

So I built one.

What makes us different

Most tools in this space give you a ballpark. PointBagel gives you the real number.

We track earning caps and compute the actual effective rate when your spending exceeds them. We map every transfer partnership with exact ratios. We benchmark point values with real redemption data, not a single editorial guess. Every calculation is tested. When a number shows up on your screen, it's been verified.

What we believe

• Your data is yours. We use Plaid for bank connections, the same infrastructure behind Venmo and Robinhood. We never see your login credentials and can only read transactions.
• Recommendations should be honest. Our algorithm recommends cards based entirely on your spending patterns. We may earn a referral fee if you apply through one of our links, but that never changes which card we recommend or how we rank them.
• Accuracy beats speed.We'd rather give you the right answer in a second than the wrong answer instantly.

Who built this