Sign up for the Citi Dividend Platinum Select Visa and get $100 after spending $500 within three months. You also get an introductory 0% APR on purchases and balance transfers for one year. Plus, there is no annual fee. You also earn a 5% cash back bonus on categories that change each quarter. Through 12/31, you'll get the 5% back on purchases at Macy's, electronics stores, and toy stores. One way to think of it: spend $500 on holiday shopping in those categories, and you'll get the $100 sign-up bonus, the 5% cash back bonus, and you can pay it off over 12 months at 0% APR.