PointBagel
Reads your US credit cards and points so ChatGPT can say which card to use and what points are worth.
What PointBagel can do in ChatGPT
Know which card to use and what points are worth.
Best Card Picker
See which of your cards earns most on a purchase.
Points Value
Estimate what all your points are worth.
Card Credits
Track which credits you have used.
Annual Fee Check
See if a card still earns its fee.
Transfer Bonuses
Find transfer bonuses that are live now.
You stay in control
You approve access, and you can disconnect PointBagel at any time.
Apps 1
What PointBagel does in ChatGPT
The PointBagel plugin keeps track of your US credit cards and reward points and does the math on them in ChatGPT. Once connected, you can ask which of your cards earns the most on a purchase, what all your points are worth, and which card credits you have or have not used.
It can also say whether an annual fee is still paying for itself and which point transfer bonuses are live right now. Answers come from your own cards and spending, priced with PointBagel's checked data on programs, transfer partners and point values, not from what a model remembers.
The connection is read-only, so nothing can move points or money. Point values are estimates, and answers say so. You need a PointBagel account with your cards added, which takes a few minutes at pointbagel.com. It is not financial advice.
Who it is for
- US credit card points collectors
- Travelers using reward points
- People with several rewards cards
How to add PointBagel to ChatGPT
- Open the PointBagel listing in ChatGPT ↗.
- Click Install plugin.
- Sign in to your PointBagel account when asked and approve the access it requests.
- Start a chat and ask for what you need, mentioning PointBagel if ChatGPT does not pick it up.
- To stop, disconnect PointBagel under apps in your ChatGPT settings.
Questions about PointBagel
What is the PointBagel ChatGPT plugin?
The PointBagel plugin keeps track of your US credit cards and reward points and does the math on them in ChatGPT. Once connected, you can ask which of your cards earns the most on a purchase, what all your points are worth, and which card credits you have or have not used. It is listed in ChatGPT's plugin marketplace under Finance.
What can I ask PointBagel to do in ChatGPT?
For example: "Which card should I use for groceries?", "What are all my points worth right now?", "Show my card credits and whether I've used them".
Who makes the PointBagel plugin for ChatGPT?
The ChatGPT listing names PointBagel as the developer. The version listed on 8 October 2026 was 1.0.0.
How do I add PointBagel to ChatGPT?
Open the PointBagel listing in ChatGPT, click Install plugin, sign in to your PointBagel account and approve the access it asks for. Then ask for what you need in a chat, mentioning PointBagel if ChatGPT does not pick it up.
Can PointBagel change things in my account, or only read?
It reads your cards, balances and spending from your PointBagel account. The connection is read-only, so it cannot move points or money.
Who is the PointBagel plugin for?
US credit card points collectors, travelers using reward points and people with several rewards cards.
Can it move my points?
No. The listing says the connection is read-only and nothing can move points or money.
Are point values exact?
No. Point values are estimates, and the answers say so.
What do I need to set up?
A PointBagel account with your cards added. The listing says setup takes a few minutes at pointbagel.com.
Does PointBagel see my ChatGPT chats?
When PointBagel is connected, ChatGPT may share the parts of your chats and memories that matter for a request with PointBagel. What PointBagel does with that data falls under its own terms and privacy policy. ChatGPT keeps your training-data settings, and you can disconnect at any time.
How do I disconnect PointBagel from ChatGPT?
Open your ChatGPT settings, go to apps, and disconnect PointBagel. You can reconnect later from the listing.
What are alternatives to PointBagel in ChatGPT?
Similar plugins in the ChatGPT marketplace include Intuit Credit Karma, Moody's Credit MCP and D&B Finance Analytics. Each has its own page in this directory.
Privacy and your data
When PointBagel is connected, ChatGPT may share the parts of your chats and memories that matter for a request with PointBagel. What PointBagel then does with that data falls under its own terms and privacy policy, not only OpenAI's. ChatGPT keeps your training-data settings for data that comes from connected apps, and you can disconnect at any time.
PointBagel privacy policy ↗PointBagel terms ↗OpenAI: apps in ChatGPT ↗