Guide
How to maximize credit card points without spreadsheets (2026)
Spreadsheet trackers go stale when issuers change categories, add limited-time offers, or merchant codes surprise you. Pikt replaces the spreadsheet with live routing and plain-English explanations.
Quick comparison
| Card | Best for | Earn rate | Annual fee |
|---|---|---|---|
| Spreadsheet method | Static planning | Manual | Your time |
| Pikt routing | Live decisions | Automated | Free tier |
| Pikt simulator | What-if testing | Instant | Free |
Why most people pick the wrong card
Spreadsheets assume you always pick the right card — they track intent, not actual checkout behavior.
How Pikt routes smarter than guesswork
Pikt links the cards you already carry, weighs your offers and category earn rates, and tells you the best card to use — with a plain-English explanation and dollar estimate for every purchase. Online, the Pikt Checkout extension auto-fills that card at checkout; in-store, Pikt Nearby names it on your lock screen. Pikt updates recommendations when offers change — no manual spreadsheet edits.
Frequently asked questions
- Is a spreadsheet ever useful?
- For planning sign-up bonuses or annual fee math, yes. For daily checkout decisions, automation wins.
$426 at Delta Airlines → Sapphire Preferred earns $26.63 (+$13.85 vs default card)
See your personal best cards
Generic advice assumes average spend. Your wallet is different. Take Pikt's 60-second quiz — pick your top spending areas and whether you prefer cash back, travel points, or simplicity.
Where does your money go?
Pick your top spending areas and we'll show you which cards earn the most for each.
What matters most to you?
No account needed to try it · Free to start
No account required · Free to start · No new cards needed