PointBagel Blog

Point valuation updates, strategy insights, and credit card news.

All 2026 amex amex-gold amex-platinum annual-fee annual-fees annual-review audit beginners bilt

May 5, 2026 · 9 min read

Earning Caps Explained: What Happens When Your Bonus Category Runs Out

Most credit card bonus categories have spending caps that drop your earning rate to 1x after a threshold. Here's the math on how caps affect the Amex Gold, Citi Custom Cash, Freedom Flex, and more - and why families should pay extra attention.

earning-caps · amex-gold · citi-custom-cash

March 9, 2026 · 9 min read

The Best Credit Cards for Groceries in 2026

From the Amex Gold's 4x Membership Rewards to the no-fee Citi Custom Cash, here's exactly which grocery card makes sense at every spend level - and why the earning caps matter more than you think.

groceries · amex-gold · citi-custom-cash