6% on savings up to $5K

I haven't tried this myself, but Michael did and seems to be happy: https://www.mangomoney.com/ you ACH in $5k then transfer the $5k to the savings account and then you can ACH in more $ to use the card if you chose to do so. Only catch is is you must ACH in $800 every single month or direct deposit in $800 to keep earning the 6.03%.

From the FAQ:

How can we afford it?

Basically, we’ve shifted a big chunk of our marketing budget to paying our good customers instead of advertising channels – no TV or print ads. We think word of mouth is much better.