Glossary · Routing
Reward Routing
Reward routing is the practice of automatically selecting, at the moment of purchase, the credit card in your wallet that earns the most value on that specific merchant and category.
Carrying several rewards cards only helps if you use the right one every time. In practice people default to one card and quietly leave 3×–6× category bonuses on the table.
A best-card tool removes that decision. It compares your cards against the merchant, any live offers, and category multipliers, then names the highest-earning card to use — online at checkout today, and in stores when Pikt Nearby ships.
Pikt weighs the signals that drive real value — your own card preferences, live offers, sign-up bonus progress, category earn rates, and credit-health signals — and names the card that earns you the most on each purchase.
Related terms
- Best-Card Recommendation at Checkout — Pikt recognizes where you're paying and names the best card to use — online via Pikt Checkout before you click pay today; in stores, Pikt Nearby will surface it on your lock screen when you're ready to pay (coming next).
- Fair Point Comparison — Pikt converts every card's points, miles, and cash back into a single dollar figure so different reward types can be compared fairly.
- Category Multiplier — A category multiplier is the rate at which a card earns rewards in a given spending category — e.g. 4× points on dining or 6% back at U.S. supermarkets.