Disclosures
Important disclosures
Plain-English notes about what Pikt does today, what we're building toward, and how to read reward estimates. We label what's real versus projected — always.
The average U.S. rewards household leaves an estimated $300–$600 in card rewards unclaimed each year. Pikt's goal is simple: stop guessing which card to use — Pikt names the best one and, online, names it before you click pay. You always pay with your own card. These disclosures explain what's live today versus what's still coming.
Early access — not a bank
Pikt is in early access — a real product, still expanding. Try the practice wallet or connect your cards when you're ready. Nothing charges you without your say.
Early access — practice wallet by default
Unless you connect your bank, you're on sample data. Tap around freely — rough edges are expected and useful.
What's live today
Pikt Checkout is a free Chrome extension that names your best card before you click pay — live today. The web app includes the simulator, dashboard, and Pikt Bills. Pikt Nearby for in-store is coming next. Pikt carries the decision, not the dollars — it never issues a card or moves your money.
Confirmed vs. projected savings
Simulations show projected (hypothetical) savings — no real money moved. When you confirm which card you actually used (or Pikt Checkout names your best card and you pay with it), it logs confirmed savings. Dashboard and savings history keep these separate so you always know what's real.
Reward estimates are informational
Pikt estimates reward value from available card, category, offer, and transaction data. Issuers make final reward decisions, and statement credits or points may post differently. On a $120 dinner, a 4x dining card might earn about $4.80 versus about $1.20 on a 1x card — illustrative, not guaranteed.
Not financial advice
Pikt helps compare rewards. We do not provide financial, legal, tax, credit, or investment advice, and we do not guarantee approval for any card product.
Card recommendations and affiliate links
Some card application links may become referral or affiliate links ($50–200 per approval is a typical industry range). If that happens, Pikt may earn compensation, but recommendations should remain grounded in the user's wallet and goals.
Read-only financial connections
Pikt connects through Plaid to retrieve card and transaction data in demo mode during this preview. Use test credentials only (user_good / pass_good). We do not receive bank credentials and cannot move funds from linked accounts.
Data deletion and disconnection
Users can remove cards from Wallet or delete their Pikt account from Settings. Account deletion removes linked cards, simulations, offers, and history except records legally required for security or compliance.