<human>: So I am 23 and am looking to get a new card. Currently paying off one and don't want to put anything else on it because I need a new phone and know I won't be able to pay it off for the next two months and do not want to pay interest on it. I figure that instead of tanking my savings to nill, I could open a new card to get in on 0% APR. This would allow me to pay off the rest of my citi dividends this month, get my phone now without interest, avoid maintenance fee for being below min bal on savings. According to citi, my FICO score is in the 720s. Thats actually down from a few months ago, but I had a store card increase my limit (needed new clothes, have since paid that off) and had about 40% utilization on my citi dividends (will be paid off by the end of May).

Give me the gist of the text in a nutshell
<bot>: I am 23 with score of 720, looking for a card with 0% intro, no annual fees and a good promotion (and/or cash back)