Glossary · Payments

Best-Card Recommendation at Checkout

Last reviewed September 14, 2026

Pikt recognizes where you're paying and names the best card to use — online via Pikt Checkout before you click pay today; in stores, Pikt Signal will surface it on your lock screen when you're ready to pay (coming next).

Pikt never issues a card or moves your money. It carries the decision, not the dollars: when you're about to pay, Pikt knows the store, the amount, and the spending category, and names the card in your wallet that earns the most.

Online, the Pikt Checkout browser extension names your best card before you click pay — Chrome fills the card field on your click, not Pikt. Coming next: Pikt Signal will put the best card on your lock screen when you're ready to pay in stores, and can coach your Apple Pay or Google Pay default.

You always pay with your own card. Pikt names which one earns the most and shows the dollar difference — it never submits checkout or moves money for you.

Related terms

Reward Routing: Reward routing is naming, at the moment of purchase, the credit card in your wallet that earns the most on that store and category. You still pay with your own card.
Merchant Category: A merchant category is how card networks classify what a store sells — for example, restaurants, grocery stores, or gas stations.
Checkout Approval: Checkout approval is the instant yes-or-no when you pay with a card, before the money actually moves hours or days later.

All glossary terms

Make the lesson useful

Learn the rule. Then use it with your wallet.

Learn explains how rewards work. Card Check applies that information to the cards you carry, the purchase in front of you, and the reward preferences you set. Pikt estimates which card is likely to earn the most. You pay with your own card.

Check my wallet How Pikt compares cards