There are tons of credit cards out there that offer different deals. Before getting one, be sure to find out these things:
- The annual fee: This is the amount you pay for using the card each year.
- The APR: APR means annual percentage rate. This is how much interest you pay every year.
- Other fees: how much will it cost if a payment was late? What’s the cost if you go over your credit limit?
- The grace period: This is the time between when you spend money and when the card charges you interest. Try to find a card with 25 days or longer grace period.
