Get a local account. Chip and pin cards, better exchange rate, and you don't have to put one penny into the shitastic establishment that calls itself a bank (BOA Community Bank).
Weird. I just grabbed the first one that mentioned hmmv in it. I know I read the whole report but it's not up on the site anymore.
Found it on the AMC site
https://www.amc.af.mil/shared/media/document/AFD-141202-003.pdf
I think that its pretty obvious that the great majority of Americans pay credit card interest EVERY month. The rewards programs wouldn't be there if they didn't. Their loss is my gain.
zero percent interest is zero percent. There are no fees associated with zero percent that I know of. According to the below there are other factors to be aware of though which sounds like general business/buying sense.
https://www.bankrate.com/finance/auto/0-car-loans.aspx