Sign up for the Citi Dividend Visa and earn $100 after making $500 in purchases over the first three months. You also get an introductory 0% APR on purchases and balance transfers for one year. After that, your APR will be 12.99%-22.99%, depending on your creditworthiness, and there is no annual fee. Now through 3/31, earn 5% cash back on fitness club, health care and utilities purchases. Earn 1% cash back on all other purchases. Additional cash back can be earned in a new category every quarter.