A targeted offer that beats your best card
By the Pikt editorial teamLast updated
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.
Card options
| Card | Earns | Cash-equivalent |
|---|---|---|
| Card A (targeted offer)Card estimate | 10% offer · Statement credit | $20.00 |
| Card B | 5x · Ultimate Rewards | $10.00 |
Result
Use Card A. Its targeted 10% offer earns $20 on this purchase, more than the $10.00 from the 5x rotating bonus. Pikt suggests Card A for the higher estimated reward.
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.