When we shop for credit cards, or any loans for that matter, the focus is always on the interest rate you’re being charged. While that’s obviously the main thing, it’s not the only thing. In the case of credit cards, you also need to inquire about “grace period.” That’s the period of time you have after using the card before the interest clock starts ticking. Twenty-one days is typical, but obviously the longer the better. You also need to know about all fees: the annual fee, and any possible fees that could occur on cash advances, late payments and balance transfers. Once you’ve uncovered all the costs, only then can you really compare apples to apples.