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Sign up for the Discover It Card and you'll have 0% APR for 18 months on balance transfers (with a 3% fee on the balance), and earn 5% cashback on restaurants and movies from now until the end of June 2015 after you sign up, and 1% cash back on all other purchases. Plus, you'll receive double cash back during your first year of card membership! There's also free FICO Credit Score on monthly statements, online and in our mobile app. There's no annual fee, and no late fee for your first late payment. Your APR won't go up for paying late, and there are no overlimit fees to worry about.