Modern technology has made it so much easier to live your life as a consumer. Not only can you directly transfer money from your bank account to someone else’s bank account, but you can pay for things using only your cell phone, you can draw money out of an ATM anywhere in the world, and you can move money around your own checking and savings accounts without having to leave your house.

Another great addition to our financial lives thanks to improved technology is the credit card. However, not all credit cards are created equal. So to help ensure that you’re able to get a credit card that will fit whatever your specific needs are, here are three things to look for when getting a new credit card.

 Interest Rates

 One of the very first things people look at when applying for any type of credit, including a credit card, is the interest rate associated with it. Especially if you plan to keep a balance on your card from month-to-month, you’re going to want to get the lowest interest rate possible when picking which credit card to go with. So if you’re trying to find a way to qualify for credit cards that have the lowest interest rates, Miriam Caldwell, a contributor to The Balance, advises that you do whatever you can to raise your credit score before you apply for the credit card you’re wanting.

 Various Fees

 In addition to interest rates, credit cards can also come with their own fees associated with use. According to Johnny Jet, a contributor to, these fees can include things like annual fees, which you pay each year you have the credit card. You can also be charged fees for things like using your credit card in another country. So before you settle on a particular credit card, make sure you factor in the fees you might be paying as you weigh whether or not this card will be worth it to you in the long run.

 Perks and Incentives

 On the opposite side of the coin to fees and interest rates, many credit cards offer you perks and incentives for using their services. For some people, these are the main reasons why they’ll pick one credit card over another, as they’ll give them perks in their preferred way, be it cash back on their purchases or a way to save money on travel expenses. According to Pat Curry, a contributor to, you should be sure to read the fine print of the contract regarding the perks or incentives, as there can often be restrictions that aren’t apparent when you first see the promotion for that credit card.

If you’re ready to get a new credit card, consider using the tips mentioned above to help you weigh the pros and cons of all your new options.