Cashback, points, and high-yield savings accounts (HYSAs) can add real money to your bottom line—but many people turn it into a spreadsheet hobby. You don’t need that. A simple, rules-based setup captures most of the value with almost none of the hassle. This guide shows how to pair one or two rewards cards with a single HYSA, automate the flows, and avoid traps that wipe out gains. You’ll see where the easy wins are, what to ignore, and how to keep your system running in minutes per month.