Regal Bagel is one of the few bagel shops that offers a fat free cream cheese option. Most other bagel stores will offer low fat, but do not carry fat free.
Regal Bagel has a good selection of bagel sandwiches to choose from on their lunch menu. Try the vegetarian sandwich. It is your choice of bagel, toasted and spread with your choice of cream cheese, lettuce, sprouts, tomato and onion.