Schmear It

What ColdStone does with ice cream (mixing all the flavors into the base), Schmear It does with cream cheese (and other spreads). An assortment of options to choose from, or create your own. Fair warning: if you're planning to stop later in the day, they start to run out of "the good" bagel options; just means the bagels are fresh daily. Pre-order to ensure your bagel flavor will be available for you.
They have a punch card (buy 9, get 1 free), and a loyalty program through Toast Tab.

Toasted everything bagel with bacon, egg and cheese.
Highly customizable, and friendly staff with overall great bagel.

If you're in University City, "Schmear it" instead of spreading once in a while. ;)

What a delightful bagel experience! I love this concept of mix your own bagel 'Schmear'. This technique ensures that the cream cheese is exactly how you like it and guarantees optimal freshness. The bagels themselves have the perfect crumb and chew that I am always after. Absolutely will be returning to try more variations. The staff was nice, helpful and FAST.

A hidden gem!! Not only do they have a great selection, they also let you customize it with a smile. The staff was very friendly and nice. I got everything bagel toasted with light cream cheese with spinach onion and tomatoes. Made my morning! The only thing they could do better is have a bigger clear outside. It's hard to find but totally worth it.

Super fast service, excellent bagels, interesting/fun bagel creations, and a convenient location. Pictured is a veggie egg sandwich on whole wheat everything (delicious though greasy), Wake N'Bacon on Plain, a smores special on chocolate chip bagel (absolutely delicious, will be returning for this one), the stuffed French toast bagel (okay, very banana-y, I'll pass), and a loxsmith with whitefish (also exceptional). highly recommend the restaurant and it's going to be a bit of a staple going forward