Pikt credit card rewards
Your best card before you pay online.
Pikt estimates which card in your wallet is likely to earn the most. Issuers decide. You choose the card and pay as usual.
Pikt credit card rewards
Your best card before you pay online.
Pikt estimates which card in your wallet is likely to earn the most. Issuers decide. You choose the card and pay as usual.
Glossary · Payments
Last reviewed September 14, 2026
A merchant category is how card networks classify what a store sells — for example, restaurants, grocery stores, or gas stations.
Purchase categories decide which spending bonus applies. A card that earns 4× on dining only does so when the store counts as a restaurant, not when the same food is bought somewhere that counts as a grocery or wholesale club.
This is why Costco rarely earns a supermarket bonus (it counts as a wholesale club) and why a Walmart food run rarely pays a grocery rate — the store's category, not the aisle, drives the bonus.
Pikt names a card for that store's category so the card you tap matches how the purchase actually codes. You still pay with your own card.
Numbered example. $120 of food at a U.S. supermarket can earn a supermarket bonus. The same food at a U.S. Costco warehouse is wholesale (category 5300 in Pikt's table), not supermarket (5411), and the warehouse door takes Visa only. The same food at a typical Walmart Supercenter also does not use the supermarket code.
Pikt keeps one category table for Card Check, Checkout, and bills. Your issuer still posts the final category on the statement. Run Card Check for the store you are actually paying.
