Maybe the answer is an a la carte card where I can choose my benefits and pay accordingly:
+ Extended warranty = 5 basis points
+ Priority Pass = 31 bp
+ Add restaurants = 6 bp
+ Travel Insurance = 12 bp
+ Rental Car CDW = 14 bp
Then when my Whole Foods screen pops up and asks me if I want to pay an additional 3.29% to us my SternVisa, I can rest easy knowing that I opted for exactly this basket of benefits.