Important questions to ask when shopping for a credit card

cards1 Important questions to ask when shopping for a credit cardWhat is the annual percentage rate, or APR?
How long will that APR last?
What is the penalty fee for a late payment, and what is considered late?
What is the penalty rate?
Will there be an annual fee?
Are there any other fees such as account termination fees or balance-transfer fees?
Can I pay my bill online?