If you’re truly on track to pay off your Chase Freedom Unlimited and don’t need a balance transfer for it, but are just looking for an additional 0% APR promo for new purchases you have a few options for rewards cards Most rewards cards (on average) that offer those deals have offer windows that range from 12-15 months and typically carry like a ~$200ish sign up bonus, plus whatever spend category perks the card itself provides. The discover offers you get sent probably give you the maximum range (18 months) and whatever rotating quarterly categories, which often mimic or mirror the next card I’ll recommend. Another option could be the Chase Freedom Flex (CFF) but — again — only if you’re not looking to balance transfer…because you cannot balance transfer with different cards at the same bank Thisi will have a lot of features that fit your lifestyle the next few months, from their Q1 rotating 5% category being groceries (up to a max of $1500 spend) and offering the same 3% on restaurants that you get from your Chase Freedom Unlimited (CFU). If you’re in the business of accumulating points and not immediately harvesting them for cash back, then this move also keeps you accumulating Chase Ultimate Rewards points, which you could then pool together as is — or — wait another little bit to get one of the Sapphire cards that then lets you get higher redemption rates on those points pooled and redeemed through Sapphire either on the Chase portal or via transferring to external transfer partners. The catch with a higher octane “rewards/redemption” card like a Chase Sapphire Preferred/Reserve is that they don’t offer 0% purchase promos. But they usually carry higher value sign up bonuses of (60k/75k/sometimes 90k) which equate to ($600-900) in straight cash back or more if you extract more value via Chase travel partner redemptions. This CFU, CFF and Chase Sapphire Preferred is often referred to the Chase Trifecta because it’s a relatively simple way to optimize your spend to accumulate points that all work cohesively together in the same ecosystem. Chase is also a good first choice to build into if you’re going to really get into this “hobby/habit” because they will automatically decline applicants who have opened 5 cards in 2 years. (Knows as the 5/24 rule). So sometimes people prioritize the Chase cards before messing around with other banks. I’ll throw one counter-weight thought though just so this comment isn’t automatically orienting toward chase. Sign Up Bonuses (SUB) are always going to out punch the cash back/points rewards and are the real engines of value here. In the CFF scenario above…if you max out the 1500 Q1 grocery category (1500x0.05= $75) plus hit $800 a month in restaurants at (800x0.03 =$24), it’s nice to have, but still relatively small gains. The other addition to consider to this is…and this might be getting too far into the weeds right now too, but is the “opportunity costs” of which 0% card you pull the trigger on now. For example the CFF mentioned above I think does the best at filling your overall outlined spend. HOWEVER, right now they’re just offering a standard little $200 bonus on $500 spend with a 15 month 0% APR. A few months ago the same CFF was offering 10x points on grocery spend for a full year (on up to 12k in spend), so that blows the current offer out of the water. No one knows if they’ll run promos like that again/when so it’s hard to say. But there could be something said about waiting on a better CFF offer to materialize in the next year+ while you’re refining your “setup” and instead just getting a random $200 bonus/12-15mo 0% Apr card from another bank—to which there are many of the same ilk. This Reddit sub’s sidebar or the website Doctor of credit has a good running list of best card sign up bonuses Sorry for the novel- just caught me in awake and scrolling after kids’ had some overnight wakeups Good luck More on reddit.com

The Fidelity Visa is a good option if you already have an account with them. Solid 2% cashback card with $150 bonus if you spend $1,000 in 3 months and 0% APR for 12 months. More on reddit.com

If it's purely for 0% apr, you'd be better off going for an 18 or 21 mo card like the BofA Americard (18), Citi Double Cash (18), or US Bank Visa Platinum (21). They also aren't necessarily bad cards, and all can be product changed if desired to an actually decent card later on. More on reddit.com

I use those silly checks all the time.

Business inventory. I get offers for 1.99% fee and 0% for 18 months. Cheaper then the bank for floating inventory.

I pay auto, home owners, and life insurance in one giant block with them too by the year. Even though their is a small amount of interest, it's still cheaper then the monthly service fees. $2 to $4 a month as opposed to $15 or $20 in fees x 12 months.

In my business, I need to have cash available all the time for opportunities as dry powder, so I don't like to pinch my pool margins too much.

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