Personal card routing
Which credit card should you use for this purchase?
Find the right card fordining, groceries, gas, Amazon, Costco, Walmart
Pikt tells you which card to use
Most card lists rank cards you could open. Pikt compares the cards you already carry for your next purchase, then shows the estimated dollar difference and why the recommendation fits.
This is personal card routing: match each purchase to the right card from your wallet. Pikt recommends the card; you still pay with it yourself.
The pages below also provide general market research. Each one runs a realistic purchase through the same rewards engine as Pikt Checkout. Pikt checks rates for 250+ cards against issuer terms, then ranks the personal cards still open to new applicants. Points and cash back are shown in dollars. Pikt personalizes each estimate to the cards you already carry, the purchase details, and any reward values you set. It learns from confirmed card choices over time, while verified rewards math remains the basis for the result and the explanation. See how Pikt compares cards.
General rankings by spending category
- Which card should I use for dining?General leader: Amex Gold, 4x points
- Which card should I use for groceries?General leader: Amex Gold, 4x points
- Which card should I use for gas?General leader: Sapphire Preferred, 3x points
- Which card should I use for travel?General leader: Autograph, 3x points
- Which card should I use for flights?General leader: Platinum Card, 5x points
- Which card should I use for hotels?General leader: Autograph Journey, 5x points
- Which card should I use for hotel bookings through issuer travel portals?General leader: Strata Premier, 10x points
- Which card should I use for streaming?General leader: Sapphire Preferred, 3x points
- Which card should I use for transit?General leader: Citi Strata, 3x points
- Which card should I use for drugstores?General leader: Venture, 2x points
- Which card should I use for entertainment?General leader: Venture, 2x points
- Which card should I use for utilities?General leader: Venture, 2x points
- Which card should I use for phone and internet bills?General leader: Autograph, 3x points
- Which card should I use for online shopping?General leader: Venture, 2x points
- Which card should I use for gym and fitness?General leader: Venture, 2x points
- Which card should I use for rent?General leader: Air France KLM Visa Signature, 3x points
General rankings by store
- Which card should I use at Amazon?General leader: Prime Visa, 5% cash back
- Which card should I use at Costco?General leader: Venture, 2x points
- Which card should I use at Walmart?General leader: Venture, 2x points
- Which card should I use at Target?General leader: Target Circle Card, 5% discount
- Which card should I use at Whole Foods Market?General leader: Amex Gold, 4x points
- Which card should I use at Trader Joe's?General leader: Amex Gold, 4x points
- Which card should I use at Kroger?General leader: Amex Gold, 4x points
- Which card should I use at Starbucks?General leader: Amex Gold, 4x points
- Which card should I use at Sweetgreen?General leader: Amex Gold, 4x points
- Which card should I use at Chipotle?General leader: Amex Gold, 4x points
- Which card should I use at DoorDash?General leader: Amex Gold, 4x points
- Which card should I use at Uber?General leader: Citi Strata, 3x points
- Which card should I use at Shell?General leader: Sapphire Preferred, 3x points
- Which card should I use at Exxon?General leader: Sapphire Preferred, 3x points
- Which card should I use at Delta Air Lines?General leader: Platinum Card, 5x points
- Which card should I use at United Airlines?General leader: Platinum Card, 5x points
- Which card should I use at Marriott?General leader: Autograph Journey, 5x points
- Which card should I use at Hilton?General leader: Autograph Journey, 5x points
- Which card should I use at Netflix?General leader: Sapphire Preferred, 3x points
- Which card should I use at CVS?General leader: Venture, 2x points
- Which card should I use at Walgreens?General leader: Venture, 2x points
- Which card should I use at Best Buy?General leader: Best Buy Visa, 5% cash back
- Which card should I use at Apple?General leader: Venture, 2x points
- Which card should I use at Nike?General leader: Venture, 2x points
- Which card should I use at The Home Depot?General leader: Venture, 2x points
- Which card should I use at Verizon?General leader: Autograph, 3x points
General rankings use published card terms and do not use the cards in your wallet. Card Check personalizes the estimate to cards you already carry.
Before you pay, see which card in your wallet is likely to earn more.
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Every number here is an estimate. Your issuer decides the final rewards, and you pay with your own card.