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You can transfer the balance of your current credit card to a card with lower rates or a zero interest introductory period. If your credit history is good to excellent, you can apply for the Discover it® Cash Back credit card which has an 14-month 0% interest introductory period on balance transfers. The card also has a 14-month 0% intro APR on purchases and charges no annual fee. Note than after introductory period is over, an ongoing APR will apply.