There's a version of this strategy where your everyday spending runs through a credit card, and the card gets paid in full from the line once a month. It sounds like adding debt on top of debt. Done correctly, it's the opposite, and the reason is a feature the card companies advertise without expecting you to use it well: the grace period.
Pay a card in full every month and purchases typically cost no interest between the day you swipe and the day payment is due, a float that commonly runs three to four weeks. Meanwhile, the money that will eventually pay that bill sits parked against your line, holding your balance down the whole time. Groceries bought on the first of the month don't leave the line until the card's due date. Your average daily balance, the one number that decides your interest bill, drops for nothing.
The whole structure stands on two words: in full. Carry a balance even once and most cards suspend the grace period, charging interest from the purchase date on new spending until you've paid in full for a cycle or two. At card rates, a single slip can burn months of the float you were collecting. This is a precision layer on top of a discipline strategy, so the rule is absolute: the card gets cleared from the line every single month, no exceptions, no carrying.
Add this layer last, not first. If paycheck parking is new to you, run the basic version until the habit is boring, the starter move plus the monthly review, and only then add the card. Every moving part you add is another place discipline can slip, and a card in the mix raises the cost of slipping. Cards also make spending feel lighter than cash does, which is exactly the wrong direction for anyone still building the habit.
And the rewards? Fine, collect them, a couple percent back on spending you were doing anyway is real money over a year. But if cash back is your main reason for adding the card, skip it. The float is the strategy. The points are a couple percent on spending you were doing anyway, and that's not a reason to add a layer.