Start with costs and repayment habits, then look at the extras.
The essentials
Rewards are easy to notice, but interest and fees can cost more than the benefits are worth. Think about whether you expect to pay the full statement balance each month. Compare the purchase rate, annual fee, late fees, and any charges for the kinds of transactions you use.
Put it into practice
Read introductory offers carefully, including the end date and the rate that follows. Check how rewards are earned, redeemed, and limited. If you carry a balance, lowering borrowing costs may matter more than earning points. Choose a payment reminder or an appropriate automatic payment only after making sure the linked account can cover it.
Before you decide
Use this guide as a starting point for your own questions. Check the current terms in your documents and the rules where you live. Keep a short written record of the options you compare, the details you still need, and your next step.
This is general educational information, not personal financial, insurance, tax, or legal advice.