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 department stores and restaurants (through September, you'll get it on the first $1500 spent on gas!), plus 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 there is a 3% fee applied to balance transfers, which is standard for similar cards.