This sort of thing depends on the amount of any balance transfer, amount you intend spending, etc. For example, if you are transferring a large amount of debt, look for a card with a very long 0% on balance transfers etc. If you want to use it for general spending, don't be too fussed about a low balance transfer rate, but look for a consistently low interest rate on the card itself. And look into how the bank could alter that (i.e. they might suck you in then once the low interest period is over, hit you with a high rate). But all in all, the best advice is to be VERY careful with credit cards!!!!!! Good luck......