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Good call - probably the best card I have so far, working towards a nice CLI
I don't really get flooded with blank checks every week, although they do come every month or so. When I log into my account it says I have balance transfer offers. Currently I have one that is 0% until June 2014 with a 3% fee and another one that is .99% until December 2014 with a 5% fee. I have had my Simplicity for 2 years now. The original offer when I got the card was 0% for 21 months which was very nice. I originally wanted to product change it once the intro offer expired, but I think I will keep my Simplicity as long as they keep it relevant with these offers.