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The interest rate charged by a credit card is perhaps the most important concept to understand. One credit card may have associated with it several annual percentage rates (APRs), which are the rates that you pay on outstanding balances, balance transfers, or cash advances.... Be sure that you understand the different APRs that you may pay on each amount, depending on how you plan to use your credit card. If you plan to use your credit card for just purchases and cash advances and are not interested in, say, mileage reward points, be sure the APRs associated with balances incurred for these activities are the lowest that you can find....The features of the a good credit cards include low interest rates, low or no annual fees, low finance charges on late payments, cards that provide rebates or cash back on purchases, and cards that offer mileage rewards, travel insurance, and discounts on useful services. The best credit card will be different for each individual, so understanding your spending habits will help you in finding a good reward credit card for your financial situation.
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