If you have optima products, you can continually bounce between each product. Each time you switch product, you gain the INTRO APR. The procedure is simple: 1. I have $2000 on my Optima 2. I balance trasnfer that $2000 to my Citibank 3. I transfer my product to another Optima Cash REBATE 4. I Now have intro rate 0% for 6 months. 5. Charge up new purchase/BT Other debt Repeat until the end of time, or they no longer give promo rates (like that will ever happen). Thanks AMEX for 0% for as long as I want.