PointBagel

PointBagel keeps track of your U.S. credit cards and does the math on them. It records the credit cards you carry, your points balances by program, the statement credits on each one and which you've used, and your annual fees and when they're due. It's built for people who carry several rewards credit cards.

Connect it and ChatGPT can answer questions about your own wallet:

• Which of your credit cards is worth the most on a purchase, counting how much of each bonus category's spending cap you've already used.
• What your points are worth, and where they go furthest through transfer partners and award sweet spots.
• Whether an annual fee is still paying for itself, with the credits you've used and the ones left.
• Which statement credits are about to expire.
• Which transfer bonuses are live right now, and whether they apply to points you hold.
• A credit card's current welcome offer, and your estimated progress toward one you're working on.
• Before you apply, how each issuer's rules treat the credit cards you've opened. Approval is never guaranteed - issuers decide.

You can try it before adding any credit cards. Name two and ask PointBagel, for example, "Chase Sapphire Preferred or Amex Gold at a restaurant?" It prices each one from its catalog and says which to use.

The answers about your wallet come from your actual credit cards and spending, priced with PointBagel's verified data on programs, transfer partners, and point values, not from a model's memory.

You can add credit cards by hand, or sign in to Chase, Amex, or whoever your credit cards are with, and PointBagel tracks them automatically. Spending caps, credits used, welcome-offer progress and the annual fee verdict are measured from the transactions of credit cards tracked automatically. A points balance is the number you entered or PointBagel's estimate built from it, and each answer says which. Point values are estimates too.

The connection is read-only. ChatGPT can see your credit cards, points balances, and spending, but nothing can move points or money. PointBagel doesn't book travel or check live award availability.

You'll need a PointBagel account. Setup takes a few minutes at pointbagel.com.