Dean, those are all good suggestions. To be honest, I have a stigma with credit cards simply because I've been a cash guy since I was 12 years old. If you've read some of my posts, I have a good bit of btc/eth/ltc/sol, etc., and been buying physical gold and silver since the '80's, some gold shares in a mining company and I just bought some shares of a Tungsten mining company for my grandsons.Pay utilities and groceries on a credit card. I have one card that pays 5% back on two categories you pick-- such as utilities, cell phone, and TV/internet/streaming and 2% on one category- gas, restaurants or groceries. It's US Bank's Cash+ card. That's what I would do, but then I am cheap and I like the idea of gaming the system. Those cash back cards aren't made for people who pay off their card in full every month.
I'm a HODLR and I could make more money selling when they rise in price and buy more when they are in a dip, I just dont do it. I just like stability and I'm able to gift quite a bit of money tax free every year to my 2 adult kids and my grandsons, so I'm just stuck in the mud, so to speak.
I'm a bit of a paradox because I believe in real money, like gold and silver to maintain purchasing power, yet, I bought a bunch of cryptos over the years. LOL I love the stability and freedom of being able to do what I like to do, yet, I've made most of my money over the years betting on horse races. LOL Try not to figure me out.