Finding your best card for a $120 Sweetgreen lunch run
Which card should I swipe for a $120 lunch at a fast-casual restaurant when I hold a 4x dining card and a 2% flat card?
Scenario
Wallet: Amex Gold (4x Membership Rewards on dining), Citi Double Cash (2% cash back catch-all).
No active offers, no open sign-up bonus, no pinned card.
MerchantSweetgreen
Purchase categoryRestaurants
Amount$120.00
Card options
| Card | Earns | Cash-equivalent |
|---|---|---|
| Amex GoldBest card | 4x · Membership Rewards | $4.80 |
| Citi Double Cash | 2% · Cash back | $2.40 |
Result
Swipe Amex Gold — 4x on dining ≈ $4.80, versus $2.40 on the flat card. Double the rewards on a single lunch.
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.