Ditto :-) I used to get gift cards when discover would give you a $50 gift card for $40. Since nobody does that anymore, I just apply the cash back to my balance. Sadly, I can still get a higher percentage in cash back then I can in a money market or CD. I’m old enough that being in the stock market is too risky. One more downturn and there would go our retirement!
It takes a few years to mature and be totally soluble but we have income enough that the IRAs are for "lagniappe" money and we'll probably only take minimum required outlays when we reach the magic 70-1/2 ages. After the first year one can take up to 10% w/o penalty and either decide to take sporadic on-demand payments or set up a specific regular flow.
Not trying to sell you anything - just saying there are avenues out there to protect your money and make more than banks are paying.