Pay In Full Ahead of Date

OP stated the PIF date wasn’t until July. I just paid 5 figures for my cruise. With that money sitting in a money market savings account for 4 months, we are talking about a lot more than 50 cents.
Where your money is invested makes a huge difference.
 
Yeah, I think money market's are in the 1.5-1.6% range now...

Not with any of the big banks, at least the ones with branches. You'd be lucky to find a MMA with them paying more than .4 or so. I have a MMA with WF that only pays .2%. Need to switch everything over to a credit union.
 
The 2% cash back I get on my credit card is triple anything I make on my bank savings account. My 401k is up about 20% over the last year, but I'm not using that on a cruise. I have a savings account that is specifically for vacations. It pays less then 0.3% interest.
 



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