# PointBagel

> The accuracy-first credit card points portfolio optimizer.

PointBagel helps credit card rewards enthusiasts see exactly what their points are worth, which card to use for every purchase, whether each annual fee is earning its keep, and the best ways to redeem every point they have.

## What It Does
- Portfolio dashboard: every point balance in one place with real-time dollar valuations
- Card recommendations based on your actual transaction history (not generic lists)
- Earning cap math: weighted-average effective rates when you exceed category spend limits
- Transfer partner optimization: 118 partnerships with exact ratios and processing times
- Benefits tracker: track statement credits, toggle perks, see annual fee ROI per card
- Optimization reports: structured redemption strategies with CPP-based valuations
- Household mode: manage two portfolios together with combined strategy

## Key Facts
- 47 loyalty programs tracked (Chase UR, Amex MR, Capital One, Citi TYP, Bilt, Wells Fargo + 29 airlines + 7 hotels)
- 118 transfer partnerships with exact ratios
- 120 CPP benchmarks (min/typical/max per program per redemption method)
- 84 curated award sweet spots with verified CPP achieved
- 293 welcome offers tracked + 69 verified no-bonus entries
- 150+ product change/downgrade paths across 9 issuers
- 2,125 unit tests backing all calculations
- Plaid-based bank connections (read-only, never stores credentials)

## Pricing
- Free: $0 (1 optimization report/month, 1 card with automatic transaction sync, unlimited cards in your portfolio (manual entry))
- Plus: $5.99/month or $49.99/year (3 optimization reports/month, 5 cards with automatic transaction sync, welcome offer elevation alerts, annual fee calendar, portfolio value history chart)
- Pro: $11.99/month or $99.99/year (unlimited optimization reports/month, unlimited cards with automatic transaction sync, Application Calendar (20+ issuer approval rules), household mode)
- Founding member pricing (limited time): Plus Annual $39.99/yr, Pro Annual $79.99/yr

## Comparisons
Head-to-head and alternatives pages comparing PointBagel to the other major points/rewards tools.
Hub: https://pointbagel.com/vs

- PointBagel vs MaxRewards: https://pointbagel.com/vs/pointbagel-vs-maxrewards
- MaxRewards alternatives: https://pointbagel.com/alternatives/maxrewards
- PointBagel vs CardPointers: https://pointbagel.com/vs/pointbagel-vs-cardpointers
- CardPointers alternatives: https://pointbagel.com/alternatives/cardpointers
- PointBagel vs Kudos: https://pointbagel.com/vs/pointbagel-vs-kudos
- Kudos alternatives: https://pointbagel.com/alternatives/kudos
- PointBagel vs AwardWallet: https://pointbagel.com/vs/pointbagel-vs-awardwallet
- AwardWallet alternatives: https://pointbagel.com/alternatives/awardwallet
- PointBagel vs Travel Freely: https://pointbagel.com/vs/pointbagel-vs-travel-freely
- Travel Freely alternatives: https://pointbagel.com/alternatives/travel-freely

## Links
- Homepage: https://pointbagel.com
- Pricing: https://pointbagel.com/pricing
- Blog: https://pointbagel.com/blog
- About: https://pointbagel.com/about
- How we compare: https://pointbagel.com/vs
- Contact: https://pointbagel.com/contact-us
- Machine-readable pricing: https://pointbagel.com/pricing.md