My credit score is down to 806 after paying off some debts / closing some accounts. I think anything over 800 is fine.

I am just using the card for normal purchases and bills. Cash then sits in a treasury MMF.

It’s a couple thousand a month I can invest with intent to pay off before the teaser rate expires.

I haven’t seen anyone offering $0 balance transfers again. If that starts up, then you can get the cash and buy treasuries directly.

Like I said, short-sightedness.  That (oops) other information age stuff sucks, too, and we totally rolled over for it, to make life easier. Good luck, I guess.

So you're saying you're putting all your purchases on your card, letting it sit at 0% for awhile, and using your cash to buy treasuries, or sit in HYSA?

Either way, there's still decent deals out there for balance transfer cards.  I logged into my Fidelity account a few minutes ago and was greeted with this, on their homepage -- 0% for purchases and balance transfers for 18 billing cycles. And 2% back on all purchases, which you can put into a brokerage account.



I also happened to get a flyer about it in the mail the other day, which quotes it as 19.24% after the 18 cycles at 0%.  There's a 3% fee for balance transfers.

My credit union also has a card that is 0% for 12 billing cycles and then is somewhere between 16.5% and 18% after that.

Lots of other good options for 0% cards here.  Wow, the "Citi Diamond Preferred" MasterCard is 0% for 21-months on balance transfers (12-months on purchases).

You have to watch the fine print on balance transfers as you noted. There usually is a 3% to 5% fee for the initial transfer.

Now back in the mid aughts, you could get a real 0% interest rate, $0 fee balance transfer.

Interesting, I didn't know that.  Any time I've ever used a balance transfer card there has always been a balance transfer fee, but I don't recall ever using one that far back.  Thanks for the history lesson.

I see what you mean about no one offering "real" $0 balance transfer cards.