Best way to take a lot of 1's to the bank?

How would it add up faster? Anything that ends in X4.xx the 4 or less you just move to a savings account and you get the cash back. Must not like free money.
My cc just pays me 1% on the money I spend. I was just saying that if I paid with cash and saved the ones that the total would climb faster. Of course the cash route it would be my money instead of theirs. I like theirs.
 
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