You should first shop around before that you sign up for the first low-rate offer that comes in your way. Maybe the great rate that is offered by the credit card company only lasts for six months or any savings you could enjoy from the low introductory rate might be eaten up by the annual fee.
Shop around for your Card
It is advised that you should do a little comparison shopping and you may get success in finding a card with the same rate for at least a year or another card that offers the same deal but charge no annual fee.
Use Credit Card Search Engine
An essential tool with which you can find the best card is the Bankrate.com which is credit card search engine. It serves as a great reference and comparison tool. You should keep it handy as you keep refining your choices.
If though you’ve already had your card for a while, but then also I suggest you to shop around again because now there might be a new deal with the same card company, or you may find a different, better arrangement out there with another card company that wants your business.