text: can i make small profit from my credit card, please help? i need money, but found out one of my credit card can give me 3.99% into my checking account. now, my saving account give me 4.65% interest. but my credit card says will charge me $70 fee. am i making small / very small profit, do you think, suppose they loan me $25,000 for a period of 9 months?  btw, my saving account said the interest is compounded daily but credited at the end of the month.  thanks! yes you can. the low 3.99% apr is usually for a short term. you can borrow $25,000, say for 6 months, then put that money in a 6 month cd (they pay a higher interest rate) typically paying 5.80%. you pocket the difference, 1.81% of $25,000. you make $450 in 6 months.