Nick Spirakus

I got my first rewards card at 18. That was over 15 years ago, and I've been collecting, transferring, and redeeming points across pretty much every major program since. Business class flights to places I never expected to visit, hotel stays that would have cost a fortune otherwise. Points changed how I travel.

I'm a software architect by trade. For years I managed my card portfolio in spreadsheets, cross-referencing blog posts for earning rates and manually tracking which credits I'd used and when annual fees were coming due. Every tool I tried got something wrong. Wrong earning rates, missing spend caps, recommendations that felt more like ads than actual advice.

So I built PointBagel. I wrote the optimization engine from scratch, verified every earning rate, transfer ratio, and CPP benchmark against primary sources, and backed it all with thousands of unit tests. When you see a number on PointBagel, it's been tested.

I currently carry cards across Chase, Amex, Capital One, Citi, and Bilt. I use PointBagel every day to manage my own portfolio. It's the tool I wanted and couldn't find, so I built it.