Our Terms of Service and Privacy Policy have changed.

By continuing to use this site, you are agreeing to the new Privacy Policy and Terms of Service.

3 of 7
BACK NEXT
Low rates on other loans
Look next for rates on cash advances and balance transfers if you'll use those features. The average APR on cash advances is 21.65%; expect a fee of 2% to 4% too (these charges usually appear in or under the box).

If you're transferring a balance, look for a card that has a 0% APR for at least a year. And ask to have any fee waived (43% of issuers will do this for new customers, reports education and advocacy group Consumer Action).

NEXT: Forgiving penalty terms

Last updated July 30 2008: 7:37 AM ET
More Galleries
10 of the best beaches near airports Wait out your layover in the transit lounge? Or grab some sun, sand and surf? More
World's Top Employers for New Grads For an exclusive CNNMoney list, research firm Universum Global surveyed business students at colleges around the world to see where they most want to work. More
A White House press briefing as told by CNN's sketch artist The White House started banning cameras during some briefings, so CNN sent in sketch artist Bill Hennessy. More

Special Offer