Reward Routing

Carrying several rewards cards only helps if you use the right one every time. In practice people default to one card and quietly leave 3×–6× category bonuses on the table.

A best-card tool names the highest-earning card for that store and category. Enter the store and amount. Pikt estimates which card in your wallet is likely to earn the most, with the dollar difference and a short reason. Issuers decide. Online, Pikt Checkout names that pick before you click pay. On recurring bills, Subscriptions shows which card is likely to earn the most and how to put it on file. Coming next: Pikt Signal will put your best card on your lock screen when you're ready to pay in stores.

Pikt never issues a card or moves your money. You always pay directly, so your purchases still count toward your card's bonuses.

Numbered example. Maya has a 2% catch-all and a dining card. At a $60 restaurant: (1) Pikt uses the dining category; (2) it converts both rates to dollars; (3) it names the dining card when that dollar figure is higher and shows the gap versus her default. She still pays with her own card.

Routing is not an apply-for-a-card pitch and not a proxy that charges one card and bills another. If the wallet is empty, Pikt cannot name a card. Add the cards you carry by name.

See how Pikt turns points into dollars on the methodology page, which card to use at checkout, and Card Check on Home.