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 10, 2026 · 11 min read

Getting the Highest Earning Rate on Every Purchase: A Category-by-Category Guide

A full breakdown of the best credit card for every spending category in 2026 - dining, groceries, travel, gas, streaming, and the crucial "everything else" bucket - with exact rates, caps, and the math behind real annual value.

categories · earning-rates · optimization

April 15, 2026 · 11 min read

The Complete Guide to Building a Credit Card Portfolio in 2026

A single credit card caps your earning potential. A thoughtful portfolio of 2-4 cards can cover every spending category at 3x or better - here's exactly how to build one.

portfolio · strategy · 2026