I have only one credit card. It with the bank I use and they have on line banking.
My S/S money is deposited in my checking on the second Wed each month.
The first thing I do is to transfer the amount owed on my account that very day from my checking to my credit card account paying it in full.
I get to use there money for part of the month and I pay no interest or service charge....
Free money for a few weeks, Wonderful.