Case studies

Reward-routing case studies

Each study takes a realistic purchase scenario and walks through the exact routing priority Pikt evaluates — offers, sign-up-bonus gating, then category multipliers — to land on the highest-earning card.

• Routing a $120 Sweetgreen lunch run

  Which card should I swipe for a $120 lunch at a fast-casual restaurant when I hold a 4× dining card and a 2% flat card?

• When a sign-up bonus outranks your dining card

  I have an open $4,000 minimum-spend requirement on a new card — should I still use my 4× dining card at restaurants?

• A targeted offer that beats your best multiplier

  There's a 10% statement-credit offer on my no-bonus card for this store — does it beat my 5× rotating-category card?

• Why your grocery card earns nothing at Costco

  Why doesn't my 6% U.S. supermarket card earn the bonus at Costco?

• Best card layout for mixed airline point pools

  I collect both transferable points and a co-branded airline card — which earns more on a direct flight purchase?