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Good Card, Bad Card
The Armchair Millionaire's Checklist for Choosing the Best Credit Card
What will it really cost?
Know and understand the annual percentage rate (APR) of any card you consider, and keep in mind that it will probably be different for purchases, cash advances and balance transfers. Also understand the fees you may pay, which in addition to an annual fee can also include a late-payment fee, cash-advance fee, a fee for going over your credit limit and a balance-transfer fee. Which extra benefits are important to me?
Frequent flyer miles, cash rebates and discounts on merchandise are the most common rewards that card issuers dangle in front of customers these days. However, these goodies nearly often come with a price, usually in the form of a higher annual fee. If these benefits are important to you, make sure that the value of the reward will actually be higher than the fee.
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