Systems and methods for account agnostic transaction routing are disclosed. According to one embodiment, in an information processing device comprising at least one computer processor, a method for account agnostic transaction routing may include: (1) receiving an identifier for a first financial instrument for a transaction being conducted at a point of transaction; (2) retrieving a plurality of financial instruments associated with the identifier, the plurality of financial instruments comprising the first financial instrument; (3) retrieving at least one transaction routing rule associated with the plurality of financial instruments, the transaction routing rule specifying a condition for using one of the plurality of financial instruments; (4) identifying one of the plurality of financial instruments for conducting the transaction based on the transaction and the transaction routing rule; and (5) settling the transaction with the identified financial instrument.