if you are close to meeting the 30k annual spend to get the bonus 15K pts then i would do it on the prg card, also if you can find a gas station that will take it to buy the vr's then you can get 2 X and it might get better.
i would set up the bb account anyways in case the vr's get rolled out to supermarkets, this may be an easy way to get 2X on the prg card