Originally Posted by sdsearch

Welcome to FlyerTalk, mdd4656!

You'll be nothing but frustrated trying to find this in one card.

The trick is to split it into at least two cards. One card earns you miles or points or cashback, but has a horrible interest rate. You don't care about the interest rate, because this card you pay off in full every month.

Separately, you get cards that give you 0% not on purchases but on balance transfers (be careful, many do this on just balance transfers within a limited amount of time after you open the card). Then you do one or more balance transfers (within the time limit) to pay off your biggest monthly bills at your rewards-earning card. You don't care that this card earns you no miles/points/cashback because the other card already did. On this card you never make purchases (that usually effectively cancels your 0% rate!), you only use it for balance transfers and only when the 0% offer is still in effect.

Note that these two cards have to be from different companies, as Chase, for example, will not allow you to transfer balances at 0% from another Chase card (such as the Continental Chase card).

Now the trick is finding 0% balance transfers offers that you can apply for (if you're not already getting them by the boatload in the mail). The problem is that they're only offered to people with good credit, so these offers are usually targeted, and you may have to wait for one to come to you (rather than being able to find out out there and apply for it). But maybe someone else has a tip for finding a 0% balance transfer if you haven't gotten any offers...