Well think of it like this. I keep an amount in my checking account (basically no interest) to cover the credit card bills. Extra I move out to an online savings account that does have a ddcent interest rate. By having a date when the CC bill comes due, I can check once a month (7 days before due) and move money if needed to cover the bill. So while the checking has practically no interest, I was getting close to 5% on the savings for a while. Still a far stretch from the 12% cds I got as a kid, but it’s something.