If each day's mail brings with it a fresh supply of credit card offers, be aware of that universal truth: What the big print promises, the small print taketh away. For example, the low introductory rate may only apply if you transfer more than $3,500. A higher introductory rate is in effect for transfers of less than that amount. Many credit card companies are shortening the time between the monthly statement and the payment due date. And, others charge a higher interest rate on cash advances than for purchases. There may also be additional hidden fees, too.

A credit card from your credit union offers a great rate and no "gotchas." Not all credit cards are alike. Check out our credit card, and we think you'll agree: It's clearly the right choice.