Ive been taking advantage of offers for years. Ive opened and closed several credit cards over the years and utilizing them for their cash back bonuses when the spend criteria was met. minimal effort and have earned thousands. I've slowed down quite a bit and use a Wells Fargo active cash for unlimited 2 % for all purchases. We also use an amex blue preferred which gives up 6 % back on groceries and 3% on gas. Those have been the go to cards. As far as savings accounts go pretty much any will have 3.5% and up. I use discover savings that gives 3.75% return currently but you can do better than that.