A method of providing rewards-based payment method selection includes storing a plurality of payment account numbers in association with a tokenized financial account number. The method includes receiving user rewards preferences and a primary transaction authorization request. The method also includes generating a plurality of provisional transaction authorization requests and transmitting the provisional transaction authorization requests to one or more payment authorization servers. The method further includes receiving a plurality of provisional transaction authorizations and selecting a preferred payment account number based on the user rewards preferences. The method also includes transmitting a transaction authorization message to the merchant POS terminal to authorize the attempted transaction based on a provisional transaction authorization.