If you can, obtain preapproval or prequalification for a card you're interested in. It doesn't necessarily guarantee you'll be formally approved, but you can receive details on your potential rates, terms and card benefits. This can help you decide which card to pursue, and there is no effect on your credit score.
If perks are important to you, check to see whether the perks of a credit card outweigh the costs. If you're sure that you will use the perks, it could make an annual fee worthwhile. But some premium cards have annual fees of $395 or more. Great perks also might be offset by high APRs (Annual Percentage Rates) if balances are carried for more than one month.
Be aware of any high fees or APRs if you plan to use the card regularly for cash advances. A high balance transfer fee might make a low APR less desirable. The same goes for foreign transaction fees or over-limit penalty fees. Always check in advance what fees or interest rates you'll be dealing with.
It’s also a good idea to think about the customer service that will be available. Not all credit card companies provide the same level of care and options. Consider whether, for example, you will have online services and an app to manage your credit card. You might also enjoy capabilities like: setting up recurring payments, easy viewing and redeeming of awards, setting up alerts, adding an authorized user, ordering a replacement card and checking on special offers.