Guide
How much credit card rewards are you leaving on the table?
Households with three or more rewards cards typically leave $300–$600 per year on the table by defaulting to one card, based on industry research on unredeemed card rewards. The gap grows with dining, grocery, and travel spend where 3×–6× bonuses apply.
Quick comparison
| Card | Best for | Earn rate | Annual fee |
|---|---|---|---|
| 1× default habit | Convenience | 1% | — |
| Optimized routing | Category bonuses | 3–6% | Varies |
| Pikt routing | Every purchase | Best in stack | Free tier |
Why most people pick the wrong card
It's not laziness — optimizing at checkout requires remembering dozens of category rules, rotating bonuses, and live offers. That's exactly what breaks when life gets busy.
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. Pikt's quiz estimates your annual gap by comparing best catalog earners to a 1× default across your top categories.
Frequently asked questions
- How does Pikt calculate the gap?
- We use conservative household spend averages per category and compare optimal catalog earners vs a 1× card.
- Do I need new cards?
- No — Pikt links cards you already have and routes to the best one in your wallet.
$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