Sign up for the Citi Forward Card and you'll earn 10,000 bonus points after you sign up for paperless billing and spend $650 in 3 months. those 10,000 points get you up to $100 back in gift cards. Plus, get a 0% APR for 12 months on balance transfers and for 7 months on purchases. You'll also earn 5 points per dollar on restaurants, books, movies, and music, and 1 point per dollar on everything else. Plus, you get up to 1,200 bonus points for paying your bill on time and staying under your credit limit. There's also no annual fee.