I love Citi they gave me 0 percent for a year. $100 gift card to Ruths Chris just for signing up. Plus I get a $100 gift card everytime I rack up 10,000 thank you points. So far I paid them $0 in interest, gotten $300 in free Ruths Chris. And I earned 4% interest on the balance I carried until I recently paid it off before the 0% promo ended. So far so good I’m up about $600 in gift cards and interest over the past 15 months.