Sign up for a Citi Dividend Platinum Select Card and get $100 back with after $799 in purchases in your first 3 months. Plus, they offer 0% introductory APR on balance transfers for 15 months. After 15 months, the variable APR will be 12.99% - 20.99% based on your creditworthiness. Also, Citi provides other discounts on items like 5% cash back on select purchases, travel and select merchandise and also offers Citi identity theft solutions. There is no annual fee, but there is a one-time balance transfer fee of either $5 or 3% of the amount of each transfer (whichever is greater.) of the amount of each balance transfer. This is higher than ideal but is off-set by the long 15-month term.