If you’ve considered applying for a fuel credit card, but just haven’t quite hopped on the bandwagon yet, here are five tips for picking out the best one available for your personal needs.

1.  Consider your credit needs and habits.  Are you getting the card strictly for gasoline purchases or would you prefer one that you could use more widely?  It’s also important to consider whether or not you have historically purchased your gasoline from the same chain of stations or a variety.

2.  Determine what features are most important to you.  Would you prefer a card that offers some type of gas rebate?  Is a low APR important to you or are you planning on paying off the entire balance each month?  Considering the terms and conditions of each card is vital before deciding on the best option for your needs.

3.  Always compare the potential fuel cards before making a decision.  There are a variety of credit cards available to consumers, available from both a specific chain of gas stations or from large credit card companies.

4.  Do your research.  With the Internet at your fingertips, you can find information and compare it quickly.  Don’t trust only one website or source for accurate information pertaining to fuel credit cards.  You can not only research information directly from the issuer’s website, but from consumer review sites as well.  Another option is to simply ask an employee at your favorite gas station.  They may be able to provide you with additional guidance.

5.  Lastly, but most importantly, always read the fine print.  You can never be too informed about your decision.  Make sure that you completely understand the terms and conditions of the card and are aware of all potential fees.  If you’re still unsure, call a representative and review the fine print with them.

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