You can pull $220,000 from Chase and Amex at 0% interest, put all $220,000 into high-yield Treasury and dividend ETFs, and borrow $175,000 against the portfolio at 4.8% on month 11 to pay the credit cards back to zero
You end up holding a $220,000 investment portfolio bought entirely with the bank's money while the dividends pay the interest for you
Wall Street hedge funds call this a carry trade, and anyone with a 720 credit score and an LLC can run it from a laptop
Walk through the exact numbers step by step:
Step 1: You have a 720+ personal credit score and an LLC. By sequencing applications across 5 banks (Amex, Chase, US Bank, Wells Fargo, and Citizens) in exact bureau order, you unlock $220,000 in 0% APR business credit for 12 to 18 months
Step 2: Just from moving that $220,000 off the cards, you trigger 450,000+ sign-up and spend points across Chase Ultimate Rewards and Amex Membership Rewards (worth $6,500 to $9,000 tax-free on day one)
Step 3: You deposit the $220,000 into a brokerage account with portfolio margin or a Pledged Asset Line (Interactive Brokers or Schwab) and buy a split of short-term Treasury ETFs and covered-call dividend funds yielding 7.5% a year
Step 4: For the first 12 months, your interest rate to Chase and Amex is 0.00%. Meanwhile that $220,000 portfolio pays you $16,500 in cash distributions over the year
Between the $16,500 in yield and the $7,000 in credit card points, the banks just paid you $23,500 in year one to hold their money
Step 5: On month 11, before the 0% promotional window expires, you tap the brokerage Pledged Asset Line for 75% to 80% of the portfolio ($175,000) at 4.8% interest, roll the remaining $45,000 onto a fresh 18-month 0% card, and wire the payoff straight to Chase and Amex
Now look at your position on month 12:
- All $220,000 of your original business credit cards sit at a $0 balance, wide open to use again
- You still hold the entire $220,000 portfolio compounding in your account
- The $16,500 annual dividend yield from the $220,000 portfolio covers the $8,400 interest on the $175,000 brokerage line and leaves you $8,100 a year in surplus cash flow
The reason 95% of people with a 720 score never get past step 1 is that if you apply to five banks randomly, the first two hard pulls land on Experian and banks
#3 through
#5 cap your limit at $8,000 or auto-decline you
If you have a 700+ credit score and want my team to build and sequence your 150K-250K 0% funding stack from start to finish, book a call using the link in my bio