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Does the card offer perks? Some cards offer travel insurance, price protection, travel rebates and even a free night at certain hotels.Do you understand how the fees work? Make sure you look at the card's foreign transaction fee, balance transfer fee, cash advance fee and penalty fees.Does its rewards redemption options suit your needs? If the card only allows you to redeem for miles on an airline you don't fly, it might not be the right choice.Does the card offer rewards? If so, is its rewards program what you're looking for? Perhaps you want to earn at a higher rate for the purchases you make the most, or maybe you want a simple rewards program that lets you earn at one flat rate.But if you can't reach that threshold, the card might not be a good fit. Will I spend enough to earn the sign-up bonus? Some cards offer lucrative sign-up bonuses if you spend a certain amount of money with the card.Take time to understand how long the intro period lasts, what APR you'll pay when that period ends and what your balance transfer fee will be. But plan to zero out your balance before the introductory period ends. If you need to make a big purchase you can't immediately afford or if you're trying to pay off your credit card debt, this can be a good option. Does the card have a 0% APR offer? Some cards let new cardholders pay 0% interest on purchases and/or balance transfers for a certain period of time.
Does the card charge an annual fee? And if so, is the annual fee worth the card's other perks?.Keep in mind: Many of these cards provide an APR range, and you have no guarantee that you'll receive the lowest possible rate. What is the APR? The annual percentage rate is what you'll pay if you need to carry a balance.Am I likely to be approved for this card? Issuers may require applicants to have good or even excellent credit to qualify for certain cards.
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