So I do this once every 15-18 months with a new card. I have been carrying about 25k at 0 interest for 15 years. In the end, I spend $0 on interest and cc companies pay me to use their card (for this, I usually get like a $200 bonus plus the $400 on purchases- always get those rewards. Add to my regular rewards, I make about $1500/yr). Plus, the balance actually seems to help my credit score (still low overall percentage of cc “use” so holding the balance doesn’t hurt)

The secret is not to use the balance transfer…unless no fees but that’s rare now. So get the new card a few months before the old one and use it for every possible purchase. You use it until it’s maxed, cash your rewards, the money you would have normally used goes to pay your expenses pays off the old card(s). Then you just pay the min as long as interest is zero. Rinse and repeat.

Simply find the best rewards and longest 0% on the credit card compare site. I don’t even need to carry a balance, but it’s not hard to manage and I’d take out as many loans as possible at 0%. Not many options tho!