The way I do it is my salary goes to a online savings account (~2% interest) that's not linked to any cards. I have a debit card I move money over to when I nee

The way I do it is my salary goes to a online savings account (~2% interest) that's not linked to any cards. I have a debit card I move money over to when I need cash out or to use it (simple with the bank's app). Then I have a CC (used for utilities etc) which I pay every billing period from the savings account. Works well.