The Discover it cash credit card offers 0% APR for the first 14 months from the date of opening the account. After this the standard purchase APR is applied. In the same way the balance transfer APR for first 14 months is 0% from the date of first transfer. There are no charges for annual fee with Discover it cash credit card. You will also get cash back bonus in a situation where your account has been closed or has not been used for 18 months.