You might not meet enough of these conditions for the plan to make sense, but it's worth exploring...
1. If your Discover is past the 0% intro period, you might be able to request 0% on new purchases for a few months.
2. You may have a double-rewards promotion Discover - either with a new account, or being quick to jump on the promo with an old one.
3. You may be able to request a SP CLI on Discover.
That would give you 0% APR with 12% cash back.
Discover officially excludes Macbooks from the Discover Deals bonus, but I got the extra 5% anyway. Somewhat sadly, this was before the double-rewards promo came out, so I missed another $100 in rewards I could have gotten if I'd waited a month.
