Sign up for the Discover More card and get 0% APR for 14 months on purchases and 0% APR on balance transfer for 14 months. This allows you to transfer a balance from a higher-interest credit card and pay it off with no interest through the end of next year. You could also use it to make a big ticket purchase (like a car or that 65" TV) and pay it off on the card interest-free. You'll also get up to 5% cash back on rotating categories like restaurants and gas (from now through December, it's on department stores and online shopping) up to a quarterly maximum. Note that there is a 3% fee applied to balance transfers, but there is no annual fee.