A targeted offer that beats your best card
There's a 10% statement-credit offer on my no-bonus card for this store — does it beat my 5x rotating-category card?
Scenario
Wallet: Card A with a live targeted offer (10% back, up to $30, at this merchant), Card B (5x rotating category active for this merchant).
Purchase qualifies for both the offer and the rotating category.
MerchantElectronics retailer
Purchase categoryElectronics stores
Amount$200.00
Card options
| Card | Earns | Cash-equivalent |
|---|---|---|
| Card A (targeted offer)Best card | 10% offer · Statement credit | $20.00 |
| Card B | 5x · Ultimate Rewards | $12.50 |
Result
Swipe Card A. The targeted 10% offer ($20) beats the 5x rotating bonus ($12.50) — a live offer reflects real incremental value, so Pikt names it as your best card.
Illustrative scenario with sample wallets and values. Reward rates and point valuations are estimates that change over time. Pikt is in beta — you always pay with your own card. Pikt is not a bank and does not hold or move your money. See the methodology.