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When considering a particular offer, make sure you know ALL the details of how your card will work. Be sure to study its terms and costs before signing on. Here are some key questions to ask.

The lower the interest rate, the less money you'll pay when you carry a balance. Does the card come with a super-low introductory rate? How long does the teaser-rate last? Will you be able to pay off your card balance before the teaser rate expires?

So what's the best credit card deals out there? It all depends on your credit and needs.