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Discover has some great bonuses on gift cards as rewards. At least a +$5 bonus. On the low end there are tons of $25 gift card for $20 cash back credits. A few as high as +100% bonuses ($200 gift card for $100 credits). So if I were you I'd start pulling out Discover cash as gift cards for stores that you need.
Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |