PointBagel Free Tools
Free Tools
Free calculators built with the same accuracy-first approach as our paid optimizer. No signup required - though saving your inputs takes a free account.
Live
Earning Cap Calculator
Bonus-category caps end your 6% or 5x rate mid-year. See the exact line where your rate really stops and what believing the headline costs you.
Open toolLive
Bilt Cash Value Calculator
See what your Bilt Cash is actually worth based on your lifestyle. $300 of Bilt Cash isn't the same as $300 of value - this tool tells you the real number.
Open toolMore tools coming. Our paid optimizer covers the broader portfolio (45+ programs, 115+ transfer partners, full card recommendations). See plans.