After that, you can see if the card offers "points" for shopping, or frequent flyer miles, or other "perks". It may sound more exciting than the APR or credit limit, but it is the least important factor to be concerned with when comparing credit cards.Discover Card is serious about safeguarding your personal information online.Next, find out if your credit rating is high, low, or somewhere in the middle.The best way to learn this is to get a copy of your credit report.Your credit score will be on you credit report, and there often is an explanation of how high or low your score is considered to be.Some cards are going to require applicants to have excellent credit.Typically, a brand new card will start with a modest credit limit.
If your job requires you to travel by airplane, you might need a business, or professional credit card.
If you have excellent credit, you can search for the credit card with the best options. Find out what is out there before you apply for the card. The rate is applied if you have an outstanding balance.
Here is a quick guide to some of the main features you will see with credit cards. Pay off the entire bill every month on time, and you won't have an interest rate added on to your bill.
These are the very last things to consider when comparing credit cards.
First, find at least one or two cards that have a nice APR, and a credit limit that fits your needs.