A zero percent introductory interest rate sounds great. So does a juicy rewards program. And who couldn’t use a sweet $100 sign-up bonus? We’ve all seen credit card commercials touting such offers, but most close with those dreaded words: “terms and conditions apply.”

Digesting the high volume of information contained in a credit card offer is not only time-consuming for many people but headache-inducing. While it’s up to you as the consumer to make sense of the fine print, you can avoid most of the grunt work by asking issuers these right questions. Click here to read on.