Sign up for the Discover It Card and get 0% APR on purchases and balance transfers for 14 months, plus no annual fee. You'll also get 5% cash back on the first $1500 of purchases in rotating categories, like department stores and restaurants (from October-December, you'll get online shopping, perfect for the holiday season!) with free and easy signup, plus 1% back on everything else. You'll also get a free FICO score on your monthly statement. There's no overlimit fee, and paying late won't raise your APR. Note that there is a 3% fee applied to balance transfers, which is standard for similar cards.