Pikt
Best card, every time
The average rewards household misses $300–$600 a year in card earnings by reaching for the wrong card at checkout. Pikt tells you the best card to use — and online, it fills it in for you. Try it free in the simulator, then add Pikt Checkout to auto-fill your best card online.
Early preview — sample wallet, no real charges
Best card picked! Routed $120.00 at Local Bistro to your Amex Gold for 4.0x rewards — saved $3.60 vs habit
Extra cash back
+$3.60
compared with your everyday card
With Amex Gold
$4.80
your best card
With a typical card
$1.20
what most people earn by guessing
Merchant
Local Bistro
Amount
$120.00
You earn
$4.80
No account needed · 30 seconds
Most people reach for the same card out of habit. Drag the sliders to your monthly spend and see what the wrong card quietly costs you in a year.
That's what reaching for the same card by habit can cost you. Pikt makes the best one show up automatically — online and in person.
Connect your cards to see your real numberTry the $120 dinner demo — no signup† Estimate based on Javelin Strategy and Cardlytics industry research on unredeemed U.S. household card rewards ($300–$600/year). Individual results vary — your real number depends on the cards you carry and where you spend.
Engine validation
30
deterministic routing scenarios validated
32
cards in the routing catalog
Engine validation ≠ purchase volume · Real metrics only — updated as the product grows.
Online and in person, Pikt makes the best card show up at the moment you pay — no app to open, no math at the register. You keep your cards; we never touch your money.
Link your cards or pick them from our catalog. Pikt learns where each one earns the most — you keep every card and we never touch your money.
A browser add-on quietly drops your best card into the payment form as you check out. Nothing to remember, nothing to look up.
Walk into a shop and your phone's lock screen names the card to pull out — before you ever reach the register.
The simulator and best-card pikts are free. Pro adds offer tracking, full history, push alerts, and early access to Pikt Checkout and Pikt Nearby. Card recommendations may include affiliate links — always based on the cards you carry.
Start with a free 14-day trial — right here or in the mobile app.
| Features | Free $0/mo | Pro $20/mo or $159/yr · Save $81/yr (34% off) | Roadmap Full launch |
|---|---|---|---|
| Purchase simulator | |||
| Cards you add (up to 6) | Unlimited | ||
| Best-card pikt with dollar value & plain-English why | |||
| Share wins & referral links | |||
| Card recommendations for gaps in your wallet | |||
| Offer tracking | |||
| Full savings history | Last 3 sims | ||
| Push alerts when a better card appears | |||
| Linked-card match-up (read-only) | |||
| Pikt Checkout — auto-fill your best card online | Early access | ||
| Pikt Nearby — lock-screen alerts in stores | Early access | ||
| Try Pikt Free | Try Pikt Premium free → | Preview early access |
Gap recommendations and card application links are free and may earn Pikt a referral fee. See disclosures.
Not yet. Pikt is in early development — see our About page for how we're building it.
No. Pikt never issues a card and never touches your money. You keep the cards you already have — Pikt just makes sure you reach for the right one. Online, Pikt Checkout fills it in for you; in stores, Pikt Nearby names it on your lock screen as you walk in.
Before you pay, enter the store and amount (or choose a category). Pikt compares reward rates, bonus categories, and active offers across every card you've linked and shows the one card that earns you the most — with the dollar difference and a plain-English why.
Next: when you tap the Pikt card at a terminal, the payment network sends an authorization request. Pikt intercepts it in real time, identifies the merchant's spending category, compares every linked card's reward rate and active offers for that category, and routes the charge to your highest-earning card — all in under 200ms, before the terminal beeps. Today: try the simulator or the routing preview in your account to see the same decision logic without a real charge.
Pikt Checkout is a lightweight browser add-on. When you reach a payment form, it recognizes the store and drops in your best card for that purchase — you stay in control and can always choose a different card.
Pikt connects through bank-grade, read-only access via Plaid. We never see your bank password, store raw card numbers, or move your money. See our Security page for exactly what we store and what we don't.
Pikt supports the major rewards cards from leading U.S. issuers, including cash-back, travel, and points cards. Link as many as you like and Pikt optimizes across all of them.
Free lets you check the store and amount before you pay and see which card wins — no bank linking required. Pro adds card linking (unlimited cards), confirmed savings history, wallet analytics, priority support, and early access to Pikt Checkout (auto-fill online) and Pikt Nearby (lock-screen alerts in stores).
Absolutely. No contracts or commitments. Downgrade to Free or cancel Pro at any time — you keep access through the end of your billing period.
Run the $120 dinner preset, explore the demo wallet, and optionally link a practice bank connection.
Try the demo