Abstract: The present disclosure tracks purchases and rewards for users of credit cards, debit cards or other trackable accounts. When a user is ready to purchase an item, such as an item at a retail store, a terminal at the store contacts a system for information concerning credit cards, debit cards and other accounts of the person. Information at the store discloses the category of the item and the price. The system then calculates potential rewards to the user, depending on the card or other account used to pay for the item. The user or the clerk at the store can then select a card or other account to pay for the item, e.g., a credit card or an account of the user with the store or seller of the item. A similar method can be used when purchasing on line, obtaining the price and checking for rewards.