I have two biz cards, and one personal card. I rarely use the personal card, as the biz accounts give me 1% cash back. However, the personal card constantly gets the free checks along with the dumb 3% fee checks. I few times a year, I'll use the free checks, and deposit just after the statement has closed, so I get interest on their money for almost 2 months.

They did recently send me some 1.99% interest rate checks, plus 3% fee for 18 months, but they sent my wife 0% and 3% fees for 18 months. Guess which one I took?