Sign up for the Discover It Card and you'll get 0% APR on purchases and balance transfers for 14 months. Plus, there's no annual fee. You'll also get 5% cash back on your purchases in rotating categories, like gas and restaurants, and 1% back on everything else. There's no late fee for your first late payment, and paying late won't increase your APR. Note that thre is a 3% fee applied to balance transfers, which is standard for similar cards.