I currently have $65k on credit cards at 0 % in a GMAC savings account earning 5.3% APY (currently) (BEEN AT LEAST 5% FOR 6 MONTHES) with no fees on the advances for 8 monthes. Pre-tax interest will be almost $2300 with no cost to me. I keep getting any credit card I want so effect on my credit rating is apparently limited. I make minimum payment plus $10 each month. Have been doing this for two years and so far have netted (pre-tax) over $5,000. Chase United card has had 0% promo rate for a couple years and each time mine comes due they have another one.