PointBagel keeps track of your U.S. credit cards and points, and does the math on them. Connect it and ChatGPT can answer questions about your own wallet: which card earns the most on a purchase, what your points are worth, whether an annual fee is still earning its keep, and which transfer bonuses are live right now. The answers come from your actual cards and spending, priced with PointBagel's verified data on programs, transfer partners, and point values, not from a model's memory. The connection is read-only. ChatGPT can see your cards, balances, and spending, but nothing can move points or money. Point values are estimates, and the answers say so. You'll need a PointBagel account with your cards added. Setup takes a few minutes at pointbagel.com.

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