Apply now for the Discover Motiva Card and receive 5% of your interest as a cashback bonus with each monthly statement you pay on time. You also earn 1% back on every purchase. You'll get an introductory 0% interest rate on purchases and balance transfers for 14 months (after that, it's 10.99%-19.99% based on your creditworthiness). Best of all, there is no annual fee. Note that the balance transfer fee is 3%, which is fairly standard for this type of offer.