Your typical savings and checking accounts are at your local bank. Typically you pay your credit cards, your mortgage or rent, your electric bill, heating bill and your grocery bill from this account.
When you go to the baseball game this is the account you hit up. This is the account that sees the majority of your direct deposit or your paycheck. You probably will not get much interest from this account which is OK since the money gets moved around quick and gets depleted by the next pay check.
Credit cards you use to take advantage of all the cash back offers. Discover and citibank get you 2% cash back on lots of stuff. Some get you even more, some are linked to various thresholds. Credit cards are great for emergencies. You never know.
Bank accounts should be there for emergency cash. IRA’s , 401K’s, stock market accounts, your house (not under the mattress) are where you should keep your money.