With such a wide variety credit card offers available today, you'll want to make sure yours is working as hard as you are. Learn about some of the invaluable features many credit cards are now offering.

Low Annual Interest Rate - A low APR credit card is a must-have If you plan to carry a balance. Right now a 9.9% fixed APR is considered a good rate for a person with an above-average credit history. Rates can range anywhere from 0% introductory rates to 20+% for student and new/damaged credit cards, and are based largely on your credit rating.

No Annual Fee - In today's competitive credit card industry, most good cards charge no annual fee. You may find that many business, travel, and other rewards cards still require an annual fee in exchange for exceptional benefits or rewards. Some cards may even offer lower interest rates in exchange for an annual fee. If these benefits are important to you, then it may be well worth it to pay a little extra each year. However, with the variety of credit card offers out there you should be able to find a good, low-rate card with no annual fee and reasonable benefits.

Credit Limit - Credit limits can vary widely. Your credit limit is based largely on your personal credit history. Many cards will automatically review your credit and offer increased limits as your history improves. Business and platinum cards will have much larger limits than student or new/damaged credit cards. The average credit limit is $2,500 for a person with a good credit history. Whatever your financial situation, resist the temptation to apply for or accept more credit than you need.

Reward Programs - More and more credit card companies are offering reward and rebate programs. The most popular types of rewards include: cash rebates, travel discounts and rewards, and points programs that offer discounts on purchases and services through specific merchants. Some credit cards charge a fee for participation in rewards programs, or may charge higher interest rates on rewards cards. Some rewards are valuable and can save you money, but some aren't. If you typically pay off your card in full each month, rewards programs can be very, well...rewarding. Be careful, however, to avoid additional rewards that you don't need, can't use, or that will cost you extra money in the long run.

Customer Service - Most credit card companies offer 24-hour customer support. Don't settle for anything less.

Online Account - Just like the rest of the business world, credit card companies are rushing to build their online features and services. Many cards now offer access to online credit card accounts, where you can manage your account, pay bills online, request credit limit increases, and transact other business. If you are a regular internet user, this can offer huge convenience and time-saving benefits.