<prompt> Human: First off, I am sure this has been discussed before, but I could not find information on a situation where you have two credit cards with the same bank. The subject:Paying off credit card debt and running balance with alternate credit cards each month, transferring the debt before you receive interest on that debt. The reason:The cash back. With a 1500 average credit card bill and a credit limit of 32k, I could pay off my 1500 bill and the running total of my other card. If I were to do this for 21 months, I would reach my 32k limit and pay an effective amount of 346,500. With 2 cash back, that is 7,000. Once I reach this point, I can pay off the 1500 bill with my bank and the 30,500 balance with my other card and receive the 2 cash back 610 per month The problem : Credit card companies will not let you pay a credit card off with another credit card. The fee will be higher than the cash back. My proposed idea:If I open two cards with the same bank, I can do a balance transfer and just transfer my debt between cards each month, racking up that cash back. I do this currently with my credit card and checking account to pay my bill. I am sure there is something I am missing or that I do not understand. Reddit please let me know why my idea sucks and what factor I am not accounting for that breaks said idea.  <response>: With most credit cards, youll pay a balance transfer fee of 2-3. So annually youre paying north of 20 for your brilliant plan.You also dont get cash back on balance transfers, so you gain nothing by doing this. 