Founder office hours

Nick Spirakus · Founder of PointBagel · 15+ years maximizing points

An hour with me to sort out your points wallet.

I built PointBagel. If you'd rather have me look at your cards and your goals with you for an hour and write up a plan than figure it all out yourself, here's how.

Who this is for

You hold several premium cards and the math is getting messy
You've got a big trip coming up and want a redemption plan that's actually yours
You're sitting on a big points balance and unsure how to use it
You want a second opinion before applying for two or three new cards
You're tired of optimizing this yourself and just want someone to tell you what to do

Who this isn't for

You have one or two cards and a single question. Email support, it's free.
You want a travel agent. I plan strategy; I don't book itineraries.
You want ongoing portfolio management. This is a one-time session.

How it works

01
Fill out a short intake form and pay $500.
Five minutes. The intake is what I prep against before our call.
02
Pick a time.
Your confirmation email includes a calendar link and a booking reference. Use the link to pick a slot; paste the reference into the booking form so I can confirm payment.
03
We meet for 60 minutes on Google Meet.
I come ready. We dive into what you actually need.
04
You get a written plan within 48 hours after we meet.
Google Doc, yours to keep, you can comment on it forever.

About

I'm Nick. I built PointBagel because I got tired of spreadsheets. 15+ years of credit card maximizing, opinions earned the slow way. I offer this because some folks would rather just have a human look at their portfolio with them than learn to optimize it themselves. Nothing wrong with that.

Pricing

$500

for the session and the written plan

Limited to 4 sessions per month. Currently accepting bookings.

Book your session

Fill this out and you'll be taken to secure checkout. Once paid, you'll get a confirmation email with your booking link to pick a time.

Your name *

Email *

Tell me about your current credit card wallet *

Rough list is fine. Example: CSP, Amex Plat, Bilt, Venture X, Amex Gold.

What are your travel goals over the next 12 months? *

Example: Two trips to Europe, premium cabins both ways. Or: Lots of domestic for work, want easy upgrades.

Rough annual spend by categoryTotal $41,000

Dining$6,000

Groceries$8,000

Travel (flights + hotels)$10,000

Gas$2,000

Everything else$15,000

What is the single most important question you want answered - the one that would make this session worth it for you? *

Anything I should know about constraints?

Credit limits, recent application history, citizenship, business needs, big upcoming purchase, etc.

How did you find PointBagel?

Secure payment via Stripe. Sales tax applies in some US states.

Just so it's clear: office hours are informational. I'm not giving you financial planning, tax, or legal advice, and any card decisions are your own.

FAQ

What if my situation changes after I book?: You can reschedule once at no charge. Second reschedule is a $100 fee.
Do you take refunds?: Not if you cancel - the prep work and writeup are real work I do regardless of how the conversation lands. If I have to cancel, you get a full refund and we'll find another time.
Can I book multiple sessions?: Yes, though most folks only need one. Book again whenever your situation changes.
What if I have just one quick question?: Email support, it's free. Many questions don't need a paid session.
Is the session tax-deductible?: Sometimes, if your card optimization is for business purposes. Ask your accountant.