Credit Card Offers:

Online you can easily compare credit card offers and apply for a best credit card. It's easy to be swayed by the teaser rates of 2.9% to: 4.9%. These interest rates are introductory rates that last a few months before the regular interest rate kicks in. Some teaser rate offers are valid only for the new purchases but others may also include transfer balances.
To help you sift through credit card offers and make a good decision, consider checking the following features of an offer:

Interest rate. Ask what the card's APR is and if the yearly fee is also included in the application? The yearly fee is often excluded with credit cards. In that case, the APR will inform you what the regular rate is after a teaser rate ends. Ask how interest is calculated, and what events would automatically transfer the rate to the ceiling rate. You should also find the interest rate on cash advances or charges that exceed your borrowing limits. Usually, these rates are at the ceiling rate. It is customary for no grace time-frame to be provided for either of these kind of charges.

Fees. If you have a solid credit history, you can often negotiate the yearly fee. If the card provider disagree and you are adamant about paying no fee, you can always shop for free credit card on the web. If you have substantial average monthly balances, at any rate, a very small yearly fee may be a fair price to pay for a lower rate... be carful and keep an eye for the other fees, like those for cash-advances or over-the-limit charges. but you are likely paying the ceiling rate for these costs.... Charging an addition fee is a way that un-scrupulous card providers may add to your cost of those charges.

Ease of credit approval. Be careful from offers that promising pre-approved credit. You may be a prospective client, but you still need to apply for credit. every time you apply, the card provider record a copy of your credit report in their database. These all count as inquiries that, if concentrated over a short period of time, can very bad affect your score to low.
Security and privacy. Limit your online application to card providers that use industry-standard practices for the security. Look for 128-bit encrypting method, which scrambles your app data and requires a decrypting to access it. The card provider should use SSL encrypting technology. Look for an online application on a secure-screen of the website.

Un-authorized credit card use. Check and see if the credit card provider limits your ability for un-authorized purchases. Usually, the most you're liable for is $100. An un-authorized-use guarantee is added protection to the card provider's security and privacy measures, above.
These are some of the good features to look for credit card offers.