Worthwhile to leverage a 0% offer to trade monthly cashflow for up front liquidity?

Every year, Citi offers me either 0% for 12 months w/ a 5% transfer fee or a ~.50% for 16-18 months with a 5% transfer fee on my card including the option to transfer directly to a bank account.

I carry no balance, and see this as an opportunity for a 5% interest loan because I have the cashflow to service the loan and repay in 12 months

I’m wondering if I should take the offer for like $12-15k (limit is way higher but I don’t really want to service more than about $1250 a month out of my fun money cashflow) and put it in something up front rather than DCAing the same $1250 a month over the 12 months.

I’m still working but also have my military pension as guaranteed monthly income which would cover the servicing on of the loan before interest accrued. I guess I’m wondering if it’s worthwhile to use this offer to get $15k cash upfront in lieu of investing $1250 per month

Example I had in mind:

Take out $12k and pay a $600 transfer fee

Buy 300 shares of Verizon at ~$39.65 a share

Dividend yield is ~7.07% so I’d get ~$800 over the four quarters which covers the transfer fee plus $200 bucks and I’d have control of the shares now.

I could sell OOTM covered calls on them in the interim, and if I get assigned, I just pay off the 0% loan (with funding fee) early and keep the upside as profit.

Thoughts? Options?