If you are in the position to pick and choose from which credit card company you are going to deal with then you have a lot of decisions to make. It's both good and bad that the options for what you are going to get attached to your new credit card have really expanded over the past few years, and it certainly is nice to have some of them at your disposal, but it can get a little distracting because really all the credit card is going to do is to give you the ability to pay your way with plastic, right? Here are some of the more common options and what they can mean to you.

1. The Interest Rate - Interest rates vary from card to card and they can really stick it to you when it comes to the interest rate if you aren't careful about reading the fine print. How many times do you get a credit card offer in the mail that has the huge 0% on the face of the envelope? I can guarantee you that the card is, in almost every case, not a true no interest credit card. They are simply no interest for a certain amount of time, or for balance transfers, after the grace period has expired they will balloon to a higher interest rate.

2. Bonuses and Travel Points - First it was the frequent flyer miles, then came the ability to get things out of a catalog once you accumulated enough points. You can even request that they send you a check. But any way that you slice it you can get some really neat stuff if you use your credit card and then request some of the things that they offer. This can be a good thing, especially if use your card frequently and you don't carry a balance from month to month.

There are other things that are important to keep in mind like the annual fee, but really if you pay attention to these few things you will be happier with your decision on which credit card to choose. Of course no matter what card you have just make sure you protect your credit and it will take care of you for the rest of your life.

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