If you’re looking for a rewards credit card that’s right for you, follow the steps below. In part 1, we covered that you should immediately cross off your list, non-rewards cards and cards without sign up bonuses. Take a look at the other 3 determining factors.

3 – Make sure you understand the rewards program. You want to make sure that you know what the rewards program has to offer.

4 – Determine the costs. Are you okay with the amount of money the credit card company charges? Be sure you know what they charge based on APR (annual percentage rate) and interest rate.