Sign up for the U.S. Bank Platinum Visa and get 0% APR on all purchases and balance transfers for your first 15 billing cycles. Plus, there's no annual fee. This means you can transfer your balance from a higher-interest card to this one, and you'll have over a year with a 0% interest rate. After the 15 months, your APR will be a 9.99% - 23.99% variable. There's also a 3% balance introductory balance transfer fee for the first 30 days after you open your account. Following that time frame, there will be a transfer fee of 4% for each transfer. See more details here.