Is your card's annual fee worth it? Let's find out.
One card is plenty to start - your first fee check is free.
Free to start. No card number needed. Read-only connection through Plaid, the same service Venmo uses. We can never move your money.
Free membership includes
- One card with automatic transaction sync
- Points and dollar value tracked on every purchase from that card
- Fee verdict: benefits used, points earned, keep or cancel
- Unlimited cards added manually
More synced cards is where Plus starts.
Where to next
Have 3 or more cards? That's where PointBagel pays off fastest - fee verdicts on every card, which card is worth the most on each purchase, and what all your points are worth together.
See the math on real screenshots →New to points?
Get the plain-English basics →Run business cards, or business and personal?
See how each business keeps its own books →Two example fee verdicts
Same math. Different answers.
Your card has its own answer.
Event program credit and disclaimer
PointBagel was selected to participate in Strive for Success 2026, a small-business program from Chase and the Arizona Diamondbacks.
PointBagel is not affiliated with, endorsed by, or sponsored by JPMorgan Chase & Co., the Arizona Diamondbacks, or Major League Baseball.