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I spoke the other day about rich people whingeing that they don't have enough to retire in luxury. In today's news there is a 67 year old man who hates his job and wants to retire. However the poor thing only has $700K saved up. This only gives him $28K a year in interest. 
Poor old dear still hasn't paid off his mortgage so how will he manage on that?
How the other half live.
Ooh I might need to get that, I already have a credit card through them and that’s better than what I’m currently doing
Yeah Capital One has been pretty good for me as far as banks/CC issuers go. Granted my only experience is them, BofA, and US Bank, and those two aren't exactly stunners for most people...
You should have one if you can get one.
Also consider using a CD ladder if you have savings youre okay with not accessing for a while (if the rates are better than a high yield saving account)