<prompt> Human: I was glancing through my emails and noticed an offer for 2 cashback on a new AmEx card. No biggie, I thought. I currently house 10k spread across three cards, one with no interest currently, and the rest with the average 13 APR. However, I know the credit limit of a new card would consolidate all those cards values into a single account. I could perform a simple balance transfer of all cards when opening up a new account and enjoying the 0 introductory APR on all my credit debt now, which sounds reasonable, however I always pondered this:Is it morally wrong or lawfully wrong to setup a PayPal account or other charge service to charge the zero debt 0 introductory card with cash back the value of the outstanding debt on the other cards, and then withdraw that charge to your bank and pay off your credit cards through the normal means of bank transfers? The only sole benefit of this is now there is a 10k cash back opportunity of 2, meaning by doing that Im also granted 200 for the entire process as opposed to nothing for a balance transfer. Somehow I feel this is too simple to be without consequence, am I wrong?  <response>: I cant speak towards the legality of it because I just dont know enough about it but I would say that the fees would just eat away at any transfer you are trying to make. That said there are zero transfer cards out there, maybe look into getting one of those. Good luck! 