Guide
Free credit card rewards calculator (2026)
Pikt's free quiz acts as a credit card rewards calculator: select your top spending categories, pick cash back or travel points, and see estimated annual rewards left on the table compared to a 1× default card.
Quick comparison
| Card | Best for | Earn rate | Annual fee |
|---|---|---|---|
| 1× default | Baseline | 1% | — |
| Quiz-optimized picks | Your categories | 3–6% | Varies |
| Pikt routing | Ongoing | Best per swipe | Free start |
Why most people pick the wrong card
Most people default to the same card at checkout — usually the one on top in their wallet. That habit quietly costs hundreds of dollars a year when another card in your stack earns 3×, 4×, or even 6× on the same purchase.
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. Pikt Checkout names your best card before you click pay. You still pay with your own card. Coming next: Pikt Nearby will name your best card on your lock screen when you're ready to pay in stores. The quiz uses conservative household spend averages and published catalog rates — not paid placements.
Frequently asked questions
- How accurate is the calculator?
- It's a directional estimate based on typical spend. Link your cards for personalized routing and ledger tracking.
- Do I need to enter dollar amounts?
- Not in the quick quiz — category selection is enough. Use the simulator for specific purchase amounts.
$49 at Blue Bottle → Amex Gold earns $3.88 (+$3.39 vs default card)
See your personal best cards
Generic advice assumes average spend. Tell us what you spend on, how you redeem, and which cards you carry — we'll name the best one you already hold for each area.
Where does your money go?
Pick your top spending areas and we'll show which of your cards earns most for each.
How do you want to use rewards?
No account needed · Free · Takes about 30 seconds
No account required · Free · Nothing is saved