Simple question about financing a bike or paying with credit card.

Simple question about financing a bike or paying with credit card. What should I do? Bike shop said I could finance a bike at 0% for 12 months (would be $280 a month). Or should I put it on my credit card and get 3% back about $102. The thing is I would have to pay that credit card off that pay period (which I am more than capable of doing). I have a good amount of money in a HYSA making about $100 a month. I...

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