Are you suggesting OP spread the repayment over several years by only making minimum payments? If yes, wouldn't the much higher interest charged on the credit card evaporate the 4-5% you could make via the HYSA.

If you have the cash, put it in a HYSA then make large enough payments to pay off the debt before the deferred interest is added back to the balance. That way you make a few $ and pay zero $ in interest.

If you can only afford to make minimum payments then the deferred interest card ends up being different that a regular credit card regarding how much the borrowed money cost. I've done these loans a couple of times with Home Depot and a HVAC replacement. The interest is delayed for a period of time but not forgiven unless paid in full before the time is up thus I would divide the balance by the time factor so being extremely disciplined with the payments, the debt would be gone before any interest would be charged. I got to use their money to fund a project.

Divide the balance by 11 and pay that. You usually want it paid in full before the term is up. Many times if not you get hit with all the interest.