Since you're playing credit card arbitrage, don't settle for rates like 1.9%, 2.08% - pfft. Take it to the next level and churn it through some bank bonus offers.
You can still jump over to Ally and sign up for the 1% bonus offer if you go to the site, enter your email address, and simply open the account today - you still have until 10/31 to fund it. Leave the funds until Jan 15 and on Feb 15 they will give you 1% cash bonus. You can use it in conjunction with their Online Savings, Money Market, Interest Checking, or CD account including the no-penalty CD yielding 2.1% for $25k or more.
https://www.allypaybacktime.com
Others worth a look:
1. HSBC checking account - open and keep $1500 balance for 90 days, they'll give you $200 cash bonus (that's over 50% APY). They credit the bonus within 8 weeks after the 90 days. Can do it for higher amounts as well, but the $200 for $1500 is the best bang for the buck.
https://www.us.hsbc.com/checking-accounts/campaigns/offer-2018/
2. Citibank has a number of bonus offers - I like the $200 for $5000 for 60 days (24% APY)
https://banking.citi.com/cbol/18/checking/200/default.htm
https://banking.citi.com/cbol/18/checking/400/default.htm
https://banking.citi.com/cbol/18/checking/500/default.htm
https://banking.citi.com/cbol/18/checking/600/default.htm
3. Capital One $200 for $10,000 for a couple weeks. Make deposit, they credit very quickly, can withdraw everything immediately with no fees or clawback. That's on top of 1.85% money market rate.
https://www.capitalone.com/offer200/
https://www.capitalone.com/savings500/
4. Discover is another good one that credits the bonus very quickly and you can withdraw everything immediately with no fees or clawback. Open account by 10/31, fund by 11/14, cash credited by 11/28. That's on top of 1.9% interest rate.
https://www.discover.com/online-ban...bk-ggl-bndOSApromo&src=SO18&van=Dbank&TPR=069