# Pricing — PointBagel

## Free
- Price: $0/month
- Who it's for: You want to see what your cards are earning you before paying for a rewards tool.
- Cards with automatic transaction sync: 1 (you can add unlimited cards to your portfolio manually; 1 gets automatic transaction sync)
- Cards in your portfolio: Unlimited (manual entry)
- Optimization reports: 1/month
- Included: 1 card with automatic transaction sync; Unlimited cards in your portfolio; 1 optimization report per month; Point values across 47 programs; 118 transfer partners mapped; Unlimited redemption log

## Plus
- Price: $5.99/month | $49.99/year (save 30%)
- Who it's for: You have a few cards worth keeping. Let us track the credits, the fees, and the offers so you don't have to.
- Cards with automatic transaction sync: 5
- Cards in your portfolio: Unlimited (manual entry)
- Optimization reports: 3/month
- Included: 5 cards with automatic transaction sync; 3 optimization reports per month; Welcome offer elevation alerts; Annual fee calendar with keep / downgrade / cancel recs; Reminders before your card credits expire; Portfolio value history and lifetime redeemed total

## Pro (Most Popular)
- Price: $11.99/month | $99.99/year (save 30%)
- Who it's for: Your rewards strategy involves a lot of cards, a lot of applications, or a partner with their own wallet.
- Cards with automatic transaction sync: Unlimited
- Cards in your portfolio: Unlimited (manual entry)
- Optimization reports: Unlimited/month
- Included: Unlimited cards with automatic transaction sync; Unlimited optimization reports; Application Calendar with 20+ issuer approval rules; Household mode for coordinating cards with a partner
- Pitch: Pro is for people who are really into this. Connect every bank, track every card, and run reports any time your spend shifts. See whether a new card fits your application rules status before you hit apply. And if you and your partner run a strategy together, household mode pulls both card lineups into one view so you can plan who opens what, who's up for the next welcome offer, and which cards each of you should be working toward.

## Founding Member Pricing (limited time)
- Plus Annual: $39.99/year (was $49.99/year)
- Pro Annual: $79.99/year (was $99.99/year)

## Full feature comparison
### Core tracking
- Cards with automatic transaction sync (We read these purchases to track spend, benefit usage, annual fees, and card recommendations.): Free = 1, Plus = 5, Pro = Unlimited
- Cards in your portfolio (Add as many cards as you want manually, even the ones we don't sync transactions from.): Free = Unlimited, Plus = Unlimited, Pro = Unlimited

### Optimization
- Optimization reports per month: Free = 1, Plus = 3, Pro = Unlimited
- Per-category spending analysis: Free = Yes, Plus = Yes, Pro = Yes
- First-year value projection on new cards (Welcome bonus plus earning on your real spend, minus the annual fee (or zero if it's waived year one).): Free = Yes, Plus = Yes, Pro = Yes

### Point values and transfers
- 120 cents-per-point benchmarks: Free = Yes, Plus = Yes, Pro = Yes
- 118 transfer partners with current ratios: Free = Yes, Plus = Yes, Pro = Yes
- Redemption guide with curated sweet spots: Free = Yes, Plus = Yes, Pro = Yes

### Portfolio tracking
- Point balances across 47 programs (You enter your balances. We never log into your airline or hotel accounts.): Free = Yes, Plus = Yes, Pro = Yes
- Current combined portfolio value: Free = Yes, Plus = Yes, Pro = Yes
- Lifetime points earned: Free = Yes, Plus = Yes, Pro = Yes
- Unlimited redemption log: Free = Yes, Plus = Yes, Pro = Yes
- Portfolio value history chart: Free = No, Plus = Yes, Pro = Yes
- Total lifetime redeemed value: Free = No, Plus = Yes, Pro = Yes
- Combined score (current points plus lifetime redeemed): Free = No, Plus = Yes, Pro = Yes
- Community ranking (Shown once you rank above the halfway mark.): Free = No, Plus = Yes, Pro = Yes

### Card management
- Current sign-up bonus on each card: Free = Yes, Plus = Yes, Pro = Yes
- Historical welcome offer log for each card (See past bonus amounts so you know whether today's offer is elevated, average, or low.): Free = Yes, Plus = Yes, Pro = Yes
- All-time-high and elevated offer badges: Free = No, Plus = Yes, Pro = Yes
- Annual fee calendar with keep / downgrade / cancel recs: Free = No, Plus = Yes, Pro = Yes
- Track how much of each card credit you have used: Free = No, Plus = Yes, Pro = Yes

### Alerts
- Welcome offer elevation alerts: Free = No, Plus = Yes, Pro = Yes
- Reminders before annual fees post: Free = No, Plus = Yes, Pro = Yes
- Reminders before card credits expire: Free = No, Plus = Yes, Pro = Yes
- Reminders before card benefits expire: Free = No, Plus = Yes, Pro = Yes

### Strategy (Pro only)
- Application Calendar (Plan your next cards against 20+ issuer approval rules.): Free = No, Plus = No, Pro = Yes
- Household mode (Coordinate cards with a partner in one shared view.): Free = No, Plus = No, Pro = Yes

## Payment
- Accepted: Visa, Mastercard, Amex, Discover via Stripe
- Billing: Monthly or annual (cancel anytime, no contracts)
- Guarantee: Cancel from settings, keep access through end of billing period