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When looking to get a credit card, there are a variety of things you should consider.
If you want a rewards card to use frequently, you might not mind paying a 0 or 0 annual fee.
A card can have different grace periods for balance transfers and cash advances than it does for purchases.
You can find information about the grace period in the credit card offer, thanks to federal rules that took effect in 2010.
For example, a 20% interest rate is fine if you plan on paying off the balance every month.
It pays to ask these kinds of questions before you fill out the application form.
But if an issuer sends you an offer, it's tempting to apply and see what you get.
"It's really difficult to pick one (in isolation)," says Kelly Rogers, chief development officer for the Consumer Credit Counseling Service of Orange County and adjunct faculty at Chapman University.
"Because what you've done before is what you will be doing." If you're shopping for a card, chances are you're comparing card terms.
So find out when the introductory APR expires and what the new rate will be.