A targeted offer that beats your best card
There's a 10% statement-credit offer on my no-bonus card for this store — does it beat my 5x rotating-category card?
Scenario
Wallet: Card A with a live targeted offer (10% back, up to $30, at this merchant), Card B (5x rotating category active for this merchant).
Purchase qualifies for both the offer and the rotating category.
- Merchant
- Electronics retailer
- Purchase category
- Electronics stores
- Amount
- $200.00
Card options
| Card | Earns | Cash-equivalent |
|---|---|---|
| Card A (targeted offer)Best card | 10% offer · Statement credit | $20.00 |
| Card B | 5x · Ultimate Rewards | $12.50 |
Result
Swipe Card A. The targeted 10% offer ($20) beats the 5x rotating bonus ($12.50) — a live offer reflects real incremental value, so Pikt names it as your best card.
Illustrative scenario with sample wallets and values. Pikt is a personal-project preview; reward rates and point valuations are estimates that change over time. See the methodology.