1. What’s in the fine print? Before you entertain the idea of applying for a card, you should read the disclosure statement with terms and conditions carefully. What are the post-promotion rates and terms?
2. Is there a balance transfer fee? Although occasionally you’ll find a promotion with no fee, most cards charge anywhere from 2%–5%. If you have a smaller balance and lower interest rate, the balance transfer fee may cost you more than the interest on your current card. The general rule of thumb is if the transfer fee is 3%, don’t transfer if you can pay off the balance in 5 months or less. If the balance transfer fee is 5% don’t transfer if you can pay off the balance in 8 months or less
To determine if a balance transfer fee is worth it in your specific situation try this balance transfer calculator.
3. What are the late payment and over-limit fees? Find a card with the least expensive penalties and preferably one that offers first-time forgiveness.
4. What is the grace period? A grace period is the allotted time you can pay your credit card bill without paying interest (on new purchases). Credit cards must provide a grace period for a minimum of 21 days, but if you want to avoid interest by paying off your balance within the billing cycle, it may be desirable to find a card with a longer grace period.
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5. Is there an annual fee? If so, how much is it and are the perks worth it?Ideally, unless you are earning rewards far above what the annual fee is, a card with no annual fee is preferable.
6. Is this the best deal? Before you accept the offer, shop around and look for a better offer, with lower rates and more desirable terms.
7. Is it too good to be true? Beware the bait and switch. Sometimes, an offer says you are pre-approved for a significant amount, only to be much less once you have applied and are approved. Make sure to read the offer fine print. Find out what credit score you need to qualify for the offer before you apply. Usually, if it seems too good to be true, it is.