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Pro
Go for sign up bonuses. Chasing an extra 1-3% is peanuts in comparison.
I would strongly recommend Capital One cards if you're looking for a bank that includes savings accounts. Great cards and decent rates. You can get better rates elsewhere (e.g. tbills), but that's the cost of convenience.
Try the Cap One Savor One. No annual fee. $200 bonus for spending $500 (you can convert the cash back to miles if you get a Venture X). 3% on dining/groceries/streaming, free Uber One membership, 10% on Uber/UberEats.
For a premium card, Cap One Venture X is incredible. Currently a 90k miles bonus through referral only (feel free to DM if you need one; standard is 75k). Worth $900 minimum. 10x on hotels/cars through portal, 5x on flights through portal, 2x everything else. $395 annual fee, offset by $300 annual travel credit and 10k annual miles (worth $100 minimum), plus Global Entry, Priority Pass, and Cap One lounges).