To simplify your policy rules we recommend making use of the budget owner approver type:
This approver type uses the relationship between budget owner and the budget members within their budget which is established when creating budgets.
Example:
You have 3 budgets (Sales, Marketing, Operations) each with a single budget owner (the leader of each one of these teams):
You also have 3 policy rules for card payments. One for each team:
These 3 rules can be consolidated to one rule via budget owners as the relationship between the budget owner and the budget members within that budget has already been established when creating your budget: