Guide
How Pikt names your best card (2026)
Pikt's router weighs the signals that drive real value on each purchase — active offers, category earn rates, sign-up bonus progress, and credit-health signals — and selects the single card that earns you the most. Each result includes a plain-English explanation and dollar-value estimate.
Quick comparison
| Card | Best for | Earn rate | Annual fee |
|---|---|---|---|
| Active offers | Targeted merchant & category deals | Varies | — |
| Category earn rates | Dining, groceries, travel, gas | 3–6% | — |
| Credit-health signals | Keeping your routing safe | — | — |
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 is deterministic and explainable — the same wallet, merchant, and amount always produce the same pick. It takes your card stack and a purchase, and returns the best card with its dollar value and how much more you earn versus your default card.
Frequently asked questions
- Does Pikt move money between cards?
- No — Pikt carries the decision, not the dollars. It names which of your existing cards to use. 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.
- Can I test before linking cards?
- Yes — the homepage quiz and simulator work without an account.
$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