I'm a fan of keeping some instantly liquid (you never know when you'll need cash), but I keep the most in a higher-yielding account online.
It takes 2 days for the money to transfer back to my checking account, but I don't anticipate a scenario where a credit card wouldn't be accepted as a payment method while I'm waiting for the funds to transfer. And I'd probably pay for a large purchase on a credit card, anyway.
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