Sign up for the Citi Platinum Select Visa Card and get $100 cash back after spending $500 in the first 3 months. Plus, get 5% cash back at The Home Depot and on home furnishing and home & garden purchases between 4/1/12 and 6/30/12. Also, there is a 0% introductory APR on balance transfers and purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based upon your creditworthiness. There is no annual fee and $0 liability on unauthorized purchases. The balance transfer fee is 3% which, while not ideal, is competitive generally right now and particularly attractive given the 18 month term.