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, checks merchant offers first, then category multipliers, and tells you which card to swipe — with a plain-English explanation and dollar estimate for every purchase. 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.
See your personal best cards
Generic advice assumes average spend. Your wallet is different. Take Pikt's 60-second quiz — pick your top spending areas and whether you prefer cash back, travel points, or simplicity.
Where does your money go?
Pick your top spending areas and we'll show you which cards earn the most for each.
What matters most to you?
No account needed to try it · Free to start
No account required · Free to start · No new cards needed