Sign up for the Discover It Card via this link and you'll get an intro 0% APR for 14 months on both purchases and balance transfers. You'll also get 5% cash back on the first $1500 of purchases in rotating categories, like department stores and restaurants (from January- March, you'll get it at movies and restaurants) 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. Plus, there's no annual fee.