> You need to actually invest the money versus paying the credit card to earn interest. The average consumer is not walking around picking up pennies in front o

> You need to actually invest the money versus paying the credit card to earn interest. The average consumer is not walking around picking up pennies in front of a steamroller trying to get $30/month with clever interest rate arbitrage. They should be. Interest bearing checking is out there. No real danger there. It's not glamorous, but depending on how much interest you're getting, paying with tommorow's dollars for today's purchases gets you about 0.4% off (based on bad math of apy is 3.25% * 45 days / 365 days in a year; I know this isn't the right way to use an APY, but you can also find better interest checking than my credit union)