Stoozing & Credit Card Arbitrage Calculator
Calculate your net interest profit from balance transfers, money transfers, or promotional 0% interest cards safely.
1. Card & Investment Details
2. Projected Returns
Estimated Net Profit
£0.00
Keeping track of multiple expiry dates and card limits is risky.
Track Expiries & Arbitrage with ZeroBasisHow Stoozing & Arbitrage Math Works
Stoozing (frequently referred to as Credit Card Arbitrage in the United States) is the practice of accumulating credit card debt at a 0% promotional interest rate, and depositing the cash equivalent into high-yield savings accounts (HYSAs) to earn interest on the bank's money. When the 0% promotional period is close to expiring, the accumulated debt is paid off completely using the saved cash, leaving you with the accumulated interest profit.
Balance Transfer vs. Purchase Stoozing:
- Balance Transfers shift a lump sum onto your 0% card on Day 1. This means the entire amount starts earning interest immediately, but you must pay an upfront transfer fee (typically 1.5% to 4%).
- Purchase Promos allow you to do everyday spending on the card and leave the equivalent cash in your savings account instead of paying off the card monthly. Because the balance grows gradually, you do not pay an upfront transfer fee, but your interest compounds on the average balance over the period (roughly half the limit), rather than the full lump sum from Day 1.