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Otherwise, without realizing it, you could end up paying a high interest rate on any outstanding balance that you have.

If you are considering such a card because you are already paying interest on a different card, find out what the balance transfer fees are before transferring the balance to a new card.

Up-Front Bonuses Some cards offer cash bonuses for signing up and spending a certain amount—usually from 0 to ,000—within the first three months.

Spending Tiers: If you're not a big spender, watch for terms that require you to spend a certain amount to get the advertised perks.

Some cards will require you to spend ,000 before you get a particular benefit. Hidden Caps: While the cash back on many cards sounds great, there is often a cap on how much you can spend and still get the same cash back award.

(EMV stands for the three companies that came up with the standard: Europay, Master Card, and Visa.) The liability for fraudulent credit card transactions has now shifted from the credit card issuer to whichever party—the credit card issuer or the merchant—is using the least secure technology.

For consumers, the new card readers are now common.

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