When looking at the different credit card programs, credit cards with low APRs or 0 percent may seem attractive, but there is always more to consider. You can find a better choice between the number of rewards, airlines, cash back, platinum and credit card offers with no annual fee. Knowing your options is important to any decision you make. 0% credit cards have great benefits, but they may not always be the best option for you.

What do you need?

Ask yourself how you plan to use your credit card and that will determine which card you actually choose. 0 percent credit cards are very attractive to many consumers right now, given the current economy. Instead of paying their bill in full each month, more consumers may find themselves struggling with credit card debt. Using 0% or low APR credit cards can help lower your monthly interest charges.

0 percent credit cards won’t mean much to you if you intend to pay off your credit card balance at the end of each month. You may be more drawn to a rewards offer or a cash-back credit card with no annual fee and a longer grace period. It’s important to choose the right card with the right benefits to suit all your needs.

Points to consider when choosing a credit card

Will you transfer to balance?

Most 0 percent offers are for an introductory period of 6 to 18 months only; some offer a slightly higher rate for a longer period of time. You may find that a longer introductory period is the best option when you are transferring a large balance from one card to another.

Where do you spend most of your spending?

A good number of rewards cards offer bonus points for spending in certain categories. Get a rewards card that pays you back cash, bonus points, or travel miles at the places you spend the most. For most consumers, cash back credit cards will be the best option.

How is the customer service?

Trained customer service representatives will be able to tell you how much you will save with a particular balance transfer offer, notify you of potential unauthorized charges, or help with a dispute. Good customer support coupled with online resources can save you money and time. Making a payment the same day with no additional fees, receiving notifications of special promotions and rewards offers, or changing a due date to better suit your schedule adds additional value to your credit card.

Added benefits

Plus, don’t forget about added benefits like travel assistance, car rental insurance, and auto travel insurance. Remember to always read the fine print to see the exact terms for low APR or 0 percent credit cards. The agreement will give you information about the grace period (how long you have to pay off your balance before paying additional finance charges) and what fees, fees, and restrictions are involved. The more information you know, the more value you get from 0 percent credit cards or any other credit card offer.