Reward Routing

Using one default card can mean missing 3×–6× category bonuses on other cards you carry. Compare the cards for each purchase to use those bonuses.

A best-card tool estimates which card is likely to earn the most for that store and category. Enter the store and amount. Pikt estimates which card in your wallet is likely to earn the most. It shows the estimate of each card’s rewards and a short reason. Issuers decide the final rewards. Online, Pikt Checkout shows this estimate before you pay. For recurring bills, Subscriptions compares the cards you already carry and explains how to change the card on file. In a store, run Card Check on your phone before you pay.

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 suggests 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.