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Finding the Card That Is Right for You

It is important to acknowledge the fact that not all credit cards are the same. Fees, charges, and benefits often vary among credit card issuers. Therefore take some time to shop around when you are choosing a credit card. The most important features to compare are the following:

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• Annual Percentage Rate (APR), a yearly rate of interest that includes fees and costs paid to obtain the loan. By law lenders are required to disclose the APR. The rate is calculated in a standard way, taking the average compound interest rate over the term of the loan, so that borrowers can compare loans.


• Periodic rate, the interest rate expressed in relation to a specific amount of time. The monthly periodic rate, for example, is the cost of credit per month and the daily periodic rate is the cost of credit per day.


• Grace period, the interest-free time a lender allows between the transaction date and the billing date. The standard grace period is usually from 20 to 30 days. Be aware that for credit cards without a grace period, finance charges will accumulate the moment a purchase is made with the credit card. People who carry a balance on their credit cards have no grace period.


• Annual fees, most credit card issuers charge an annual fee and you should takes this in to account when comparing different credit cards.


• Transaction fees and miscellaneous charges, some credit card issuers will charge you a fee if you use the card to get a cash advance. For example, if the fee is expressed as follows: "2%/$10", it means that the cash advance fee will be the greater of 2 percent of the cash advance amount or $10. Also, some credit card issuers will charge a fee if you fail to make a payment on time, or if you exceed your credit limit. Some may charge a flat fee every month whether you use the card or not.


• Other benefits, many credit card issuers offer additional benefits. Some of these come at a cost and some are free of charge. Discounts, rebates, and special merchandise offers are all very common benefits. Some issuers also offer insurance and credit card protection.


• Customer Service, look for credit card issuers that have a 24-hour toll-free telephone number.