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 from July-September 2014 for up to $1,500 on gas station purchases (signup is free and easy) and 1% back on everything else. A free FICO score will be provided on your monthly statement. There's no overlimit fee, and paying late won't raise your APR (regular APR is a 10.99% - 22.99% variable). Plus, there's no annual fee. Terms and conditions apply.