Credit cards aren’t always what they appear to be. Member discounts, frequent flier miles, and free gifts may make a card seem like it’s a bargain. But companies may offer appealing promotions alongside high interest rates, high fees, and short billing cycles.

To get the real scoop on a credit card, read through its terms and conditions carefully. Every card is required by law to include a disclosure statement somewhere in its promotional materials. There, you’ll find all the information you need on rates, fees, and other elements of the agreement. Don’t let the fine print discourage you: Once you sign the credit card agreement, you agree to play — and pay — by all of the issuer’s rules.

Remember that even the slightest difference in rates or fees can have an impact on your finances. So it’s important to make sure you’re getting the best deal possible before you sign on the dotted line.