Charge everyday spend on 0% APR while cash earns 5% in T-bills — pocket the spread.
New consumer cards commonly offer 15–21 months of 0% APR on PURCHASES (Wells Fargo Reflect, Citi Simplicity, US Bank Visa Platinum, Chase Slate Edge). Route normal monthly spend to the card, and park the equivalent cash in T-bills / HYSA at 4.5–5.3% APY. On $30K of deferred spend over 18 mo, spread nets $1,900–$2,300 tax-managed interest — fully legal, no fees. Pay balance in full before the 0% window ends.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
Build $100K–$500K of 0% intro-APR unsecured credit.
Stack personal 0% purchase/BT cards; deploy the float into cash-flowing assets.
3% BT fee for 18mo = ~2% APR — arbitrage vs 5% T-bill / private lending yield.
Route all business AP through 2%+ cashback cards — permanent margin lift.
Amex MR / Chase UR / Cap One transfers = 4–8¢/pt on business travel.
Sequenced personal + EIN-only biz apps for $20–50K/yr in tax-free SUBs.
Multiply SUBs and 3–5x category earnings without new hard pulls.
Pay earnest money, closing costs, or seller with a card at 2.9% fee.