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PointBagel

Reads your synced card and bank transactions to show which card earns the most on each purchase and where earning caps start costing you.

Free plan · From $39.99/yrActively maintained

FinanceFor consumersFree tierAnalytics
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At a glanceswept Oct 13, 2026

≈ 124visits/mo

Little sign of use · estimate, read Oct 13, 2026

For
people holding several credit cards who want to maximize points and avoid earning caps
Price
Free plan · From $39.99/yrpricing page, read Oct 18, 2026Trial & discounts: save 30% yearly
Activity
Actively maintainedsite updated 12 days ago
Company
Point Alchemy, LLC · Domain since 2026privacy policy · domain registered
Used for
  • check which card earns the most on each purchase
  • spot where an earning cap starts costing points
  • decide whether to keep or cancel a credit card
read off pointbagel.com on Oct 18, 2026
Worth knowingcomputed from what we read · each with its source
Pricingpricing page, read Oct 18, 2026

Free plan · From $39.99/yr

Trial & discounts save 30% yearly

pricing page

Your datawhat they publish, each line with its page · read Oct 18, 2026

“Under our agreements with these providers, your information is not used to train their AI models, and the data is deleted within a short retention window (currently up to 30 days), except where the provider must keep it to comply with law or to investigate misuse.”

privacy policy ↗

These are PointBagel's own statements, read from its pages. We did not audit them. A line that is missing was not found on the pages we read; it does not mean the practice is absent.

How a program reaches itfound, not claimed · read Oct 18, 2026
  • MCP servercom.pointbagel/pointbagelverified in the MCP registry
  • Stateanswers, requires sign-inchecked 2026-10-18
  • Address to connectpointbagel.com/api/mcp

MCP server details →

This card as JSON, for your agent →

Each line is something a program found when it went looking: the registry entry, the server's own answer, a spec that parses. A missing line means we did not find it, not that it does not exist.

Alternatives in Financeby use, among tools still maintained

Figure and bar: visits/mo, estimate · year: online since

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Questions this page answers
  • What is PointBagel?

    Reads your synced card and bank transactions to show which card earns the most on each purchase and where earning caps start costing you. It is listed in the Atlas under Finance and made by Point Alchemy, LLC.

  • Who is PointBagel for?

    people holding several credit cards who want to maximize points and avoid earning caps

  • How much does PointBagel cost?

    PointBagel has a free plan; paid plans start at $39.99/yr, per its pricing page on 2026-10-18.

  • Is PointBagel free?

    Yes, PointBagel has a free plan, per its pricing page on 2026-10-18.

  • Do people use PointBagel?

    Little sign of use: ≈ 124 visits/mo · estimate, 2026-10.

  • Is PointBagel still maintained?

    Actively maintained: site updated 12 days ago.

  • Who owns PointBagel?

    PointBagel is run by Point Alchemy, LLC, per its privacy policy (2026-10-18).

  • Does PointBagel train AI on your data?

    Its privacy policy speaks for its AI providers rather than for PointBagel itself (2026-10-18): “Under our agreements with these providers, your information is not used to train their AI models, and the data is deleted within a short retention window (currently up to 30 days), except where the provider must keep it to comply with law or to investigate misuse.”

  • Is PointBagel safe?

    We do not audit vendors. What PointBagel publishes, read 2026-10-18: SOC 2 Type II stated on its security page.

  • How do I cancel PointBagel?

    In its own words (terms of service, 2026-10-18): “You can cancel online at any time: sign in, open Settings, open the Subscription section, and choose Manage Billing, then Cancel subscription.”

  • Does PointBagel give refunds?

    In its own words (terms of service, 2026-10-18): “If you purchase a subscription and request a refund within 24 hours of your initial purchase, we will provide a full refund.”

  • What are alternatives to PointBagel?

    In Finance, by use: StackEasy, Miles, Walnut, Creditcards.best, CoinMarketCap, Ramp.

How we read a tool

No votes, no reviews, no vendor claims. Every week a crawler reads each tool's own site and a few public registries, and the words on the card are bands over what it read.

  • Use: visits to the site (estimated), installs from npm and PyPI, presence in Chrome's usage report.
  • Activity: the newest release on GitHub, npm or PyPI; the newest dated page on the site; open roles on a public jobs board.
  • Price: the vendor's own pricing page, read with the date. A figure is printed only when it is on that page.
  • The line and the use cases are written by us from the homepage, one tool at a time, and refused when they repeat the vendor's marketing.

How AI assistants read each site — the reading vendors ask us about — is on each tool's own visibility page.

How we read every tool → · By INITE Atlas Desk