Stoozing & Credit Card Arbitrage Calculator

Stoozing (known as Credit Card Arbitrage in the US) is the legal practice of borrowing money on 0% interest credit cards, placing that money into high-yield savings accounts, earning compounding interest, and paying off the card's minimums. Once the 0% promo expires, you pay off the card's full balance, keeping the accumulated interest profit tax-free or subject to standard interest rates.

Yes, temporarily. Increasing your credit card balance increases your overall credit utilization ratio, which can temporarily lower your credit score. However, as long as you always make the required minimum monthly payments on time, your score will recover quickly once the full balance is cleared at the end of the promotional period.

In the UK, basic rate taxpayers can earn up to £1,000 of savings interest tax-free per year under the Personal Savings Allowance (PSA), while higher rate taxpayers receive a £500 allowance. In the US, all savings account interest is treated as regular taxable income at both the federal and state levels and must be declared annually.