Questions and answers

Yes, and it's free to try: Pikt Checkout is in beta · You choose the card and pay. During beta, Pro extras may be included at no charge. That access is not a fixed term, and we may end it anytime with notice. The pricing page shows what stays free forever and what counts as Pro; the About page has the longer story.

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. You always pay with your own card, and Pikt never charges you or moves your money.

Yes. Open the Pikt website in your phone browser and sign in. There's nothing to install. Card Check sits on Home, and the bottom bar covers Transactions, Subscriptions, and Offers, which also holds credits and annual benefits. Your profile photo opens Settings. The Chrome extension needs a computer, and the site works fine without it.

Open Settings → Cards & bank and add each card by name from the catalog. You won't be asked for a card number or a bank login. Pikt can only compare the cards it knows about, so the closer your Pikt wallet gets to your real one, the more useful its answers are.

Open the card from Home or Settings → Cards & bank, choose Remove from wallet, and confirm. The card and any offers attached to it come out together. There's a few-second undo right afterward, and you can add the card back whenever you want.

Yes. Pikt covers the major U.S. rewards cards, whether they earn cash back, points, or miles. Free forever gives you Pikt Checkout at online checkout, Card Check, and best-card recommendations — no bank link required. You can hold up to 2 cards on it, added by hand or linked through your bank. Pro adds optional bank link for bills and spend, bonus-offer tracking, full savings history, and email alerts before you miss rewards. During beta, Pro extras may be included at no charge. That access is not a fixed term, and we may end it anytime with notice.

No. You add cards by name from a catalog, so no card number and no bank login ever change hands. If you later link a bank for bills, that connection is read-only through Plaid or Quiltt: Pikt never receives your bank password, and read-only access can't move money. The Security page lists everything we keep.

No. Add your cards by name, then open Card Check before you pay and that's the whole flow. On a computer, Pikt Checkout can name the card for you at online checkout. Linking a bank is optional and does one job: finding your recurring bills so you don't have to enter them by hand. Disconnect it anytime from Settings → Cards & bank.

Sign back in and setup continues where you stopped. You must accept the Terms and Privacy Policy and confirm that you are 18 or older. You can skip adding cards and finish later in Settings → Cards & bank, but Pikt needs at least one card by name before it can compare your wallet.

Open the account menu from your profile photo in the phone header or your name at the bottom of the computer sidebar, then choose Settings. There are five tabs: Cards & bank for your cards and bank connections, Account for sign-in, email, and billing, Personalization for how you value points, Privacy for your data choices, and Help for support.

Yes. Settings → Account → Pause account stops the weekly emails and bank updates while leaving your cards exactly where they are, and you can resume whenever you like. Deleting is a separate, deliberate step with a 14-day undo window.

The eye icon in the top bar, ⌘H (Ctrl+H on Windows), and Settings → Account → Appearance → Hide balances are all the same switch. Amounts stay blurred on that device until you turn them back on.

Pikt Checkout is a Chrome extension, so you'll need a computer for this part. Open the extension page and follow the Chrome Developer mode steps, then sign in and connect your wallet. Pin the icon if you want it visible in the toolbar. The Chrome Web Store listing is still pending. On a phone, use Card Check in the web app instead. Either way, you pay with your own card.

It runs in Chrome on a computer only. Check that the extension is enabled, then open it from Chrome's Extensions menu and confirm that you are signed in with your wallet connected. Pinning only keeps the icon visible; it is not required. Recommendations can appear on supported merchant pages, and Card Check in the web app covers any page that isn't supported yet. Pikt never types your full card number or completes a payment for you.

Google Chrome on a computer, for now. It doesn't run in Safari on iPhone or Chrome on Android. On a phone, open the Pikt website and use Card Check instead.

Give it the store and the amount before you pay, or just the category if that's all you know. Pikt looks at every card in your wallet, weighs reward rates, bonus categories, and any offers currently live on them, then names the card that earns the most and shows the dollar difference with a one-line reason.

The usual causes: the store is filed under a category you wouldn't expect, a card is missing from your wallet, or an offer doesn't apply to that particular purchase. Pikt only compares cards you've added, using reward rates, bonus categories, and offers you're eligible for. The store category guide covers the category part, and you can report a bad answer from Settings → Help. Practice runs in Card Check never count toward your confirmed savings.

Enter a store and amount. Pikt names the best card from your wallet — or a practice wallet of sample cards if you haven't added any yet. Practice runs stay out of your confirmed savings, so you can try it before you add anything.

Open Should I buy it?, name what you're buying, and choose cards from the catalog. Pikt shows only the benefits that name that store in the issuer's published terms. It won't guess at purchase protection or warranty coverage, since a guess is the last thing you want to be holding when you file a claim.

Card networks label each store, not Pikt, and that label decides which bonus applies, whatever the store's name suggests. It's why a coffee shop can count as dining rather than groceries, or a warehouse club might not count as a supermarket. When the category comes through with the purchase, Pikt uses it. If it still looks off, the store category guide goes deeper, or you can report it from Settings → Help.

No, and that's deliberate. Pikt names the card and explains the difference; you choose it and pay. It never enters your full card number, charges a card, changes a subscription's payment method, or moves money.

Confirmed savings only count after you tell Pikt that you paid with the card it named. That includes purchases that started in Pikt Checkout online. Practice runs in Card Check stay separate and never touch your real totals. Bank linking in Subscriptions finds your recurring bills; it does not verify reward savings from your statement.

Open Subscriptions to add bills yourself, or let an optional bank link find them for you. Pikt compares your cards on each one and shows the extra rewards it estimates over a year. Changing the card on file happens on the merchant's own site, so that last step stays yours.

Open Subscriptions and add the bill, whether that's Netflix, your phone plan, or the gym. Pikt names the card that earns the most on it and shows what switching is worth over a year. You make the change with the merchant, since only they can update the card on file. Linking a bank is optional and just saves you from typing bills in by hand.

Offers is where you keep track of store offers, statement credits, and the annual benefits on the cards you carry. Pikt holds the list, but it can't enroll you in an offer or redeem a benefit for you, so check the terms in your issuer's app before you count on one. Live offers do count toward Card Check and Pikt Checkout recommendations when they apply.

Yes, through your phone browser. Open Card Check before you pay, enter the store and amount, read the recommendation, then pay with your own card. Automatic nearby alerts aren't part of this beta yet, and the Chrome extension is for online checkout on a computer.

Free forever covers Pikt Checkout at online checkout, Card Check, and best-card recommendations — no bank link required. It holds up to 2 cards, and your savings history keeps the Last 3 picks. Pro adds optional bank link for bills and spend, bonus-offer tracking, full savings history, and email alerts before you miss rewards. During beta, Pro extras may be included at no charge. That access is not a fixed term, and we may end it anytime with notice. The pricing page has the side-by-side comparison.

Yes, and there are no contracts. If you're on a paid Pro plan, open Settings → Billing, click Cancel subscription, and confirm in the window that opens. You keep Pro through the end of the period you already paid for, then you're on Free. If you never paid, there's nothing to cancel for Pro extras during beta. Pikt Checkout and Card Check stay available either way.

It is, and linking a bank is optional in the first place. If you do link one, the connection is read-only through Plaid or Quiltt: Pikt never receives your bank password, and read-only access can't move your money. We don't store raw card numbers. Disconnect whenever you like. The Security page spells out what we keep and what we don't.

You might not need to. Free forever already includes Card Check, best-card recommendations, and the Pikt Checkout extension, which is enough to stop guessing before you pay, with no bank link involved. Pro is for the automatic side of it: optional bank link for bills and spend, bonus-offer tracking, full savings history, and email alerts before you miss rewards. During beta, Pro extras may be included at no charge. That access is not a fixed term, and we may end it anytime with notice. Either way, savings are confirmed through the extension and the recommendations you confirm yourself, not by reconciling your bank statement.

On the public site, Home or the Pikt logo takes you back to the landing page, and Sign in and Sign up are in the header. Once you're signed in, Home is Card Check. On a phone, the bottom bar handles the rest and your profile photo opens Settings. Both the sign-in and sign-up pages have a Back to home link if you end up somewhere unexpected.

There isn't one to need. Pikt works with the cards already in your wallet: add them by name, and Card Check compares them before you buy, online or in a store. You choose the card and complete the payment. Pikt doesn't issue a card for everyday spending.

Open Settings → Cards & bank and disconnect. We revoke the connection token right away. Everything else keeps working with the cards you added by name. The Security page covers what stays behind and what doesn't.

Open Settings → Account → Email. From there you can switch email and push alerts on or off, pause them for a day, or move savings mail from immediate to a weekly roundup. Security and billing notices always go out. Pro includes a heads-up email before you miss rewards.

Because this is a browser we haven't seen before. On a device you already use, open Settings → Account → Sign-in and enter the 2-digit code it shows you here. Confirming the last four digits of a card in your Pikt wallet works too. The first browser you sign in from is trusted automatically.

Open Settings → Account → Sign-in and add a passkey. After that, your browser or phone can unlock Pikt with Face ID, Touch ID, or your device PIN. Email sign-in keeps working, so a passkey adds a way in rather than replacing one.

Go to Settings → Account → Danger zone and we email you a confirmation link. Once you confirm, your account enters a 14-day recoverable grace period. Sign back in during those 14 days and everything comes back. After that the account stays scheduled for removal: personal data and bank-feed records are permanently deleted within 90 days of the confirmed deletion, and any active subscription is canceled. That last step cannot be undone.

Open Settings → Help to chat or send a message, or use the contact form. Tell us the page you were on, what you clicked, and any error message you saw, and we can usually skip the back-and-forth.