You can now connect PointBagel to ChatGPT and to Claude, and ask them about your own wallet.
Not about credit cards in general. About the cards you actually carry. Which one to use at the grocery store. What your points are worth today. Whether the annual fee on a card sitting in your drawer is earning its keep. How much of this year's credits you still have left.
The assistant does the talking. PointBagel does the math.
Why that split matters
Ask any assistant "which card should I use at Costco" and you will get a confident answer. It will also be a guess. It does not know which cards you hold, where you are against a category cap, or what a point is worth in your account this month. It is assembling something plausible from what it read about credit cards in general.
PointBagel knows all three, because you told it which cards you carry, and because every transfer ratio, award chart and earning rule we cite is checked against the issuer or the program before it ships. So when you ask, the assistant passes the question along, we compute the answer from your actual wallet, and it reads the result back to you. We also know that the Costco warehouse and its gas stations take Visa credit cards only, so those are the only cards we will recommend.
The number comes from us. The conversation comes from them.
Things worth asking
- Which of my cards should I use at Costco?
- What is my whole points portfolio worth right now?
- Is my Amex Platinum still worth the annual fee?
- How much of my Sapphire Reserve credits have I used this year?
- What is the best way to use my Chase points?
- Are there any transfer bonuses running right now?
- How close am I to my Venture X welcome bonus?
How to connect
In ChatGPT, PointBagel is in the app directory. Open Plugins, browse for PointBagel, add it, and approve access. A free ChatGPT account can install it.
In Claude, add it as a custom connector: Settings, then Connectors, then Add custom connector, then paste the PointBagel endpoint. Any Claude plan works. We submitted PointBagel to Anthropic's connector directory in August and it is still in review, so for now the custom connector is the route. It is the same connection and it takes about a minute.
Step by step for both, with screenshots, is on the connect page.
What it will not do
It is read-only. It cannot move your points, transfer them anywhere, book anything, or change your account. It does not search award availability, and we are not building that: there are tools that do it well and we would rather link to them than do it badly.
And when we do not have a verified number, it says so instead of inventing one. That sounds like a small thing. It is most of the reason this is worth connecting at all.
Connecting is free. The free plan answers questions about the cards in your portfolio and tracks credits and benefits on the card it syncs. Reminders before those credits expire, the annual fee calendar, and projections like modelling how a new card would change your year are part of Plus. Separating cards by business is Pro.
