People who think most credit cards are basically alike would do well to shop around to find the best card to fit their individual needs, according to the executive director of Purdue University's Credit Research Center. Robert Johnson cautions consumers to be careful when comparing interest rates on different credit cards. "The reason is that the means by which lenders determine the account balance differ so much that lenders may apply identical interest rates, and yet charge you very different amounts," he says. Johnson says the credit card you choose should be determined partially by your credit habits. "If you usually pay your credit card accounts in full each month," he said, "you should look for a card with no fee or a low annual fee." Johnson says cards with annual fees ranging from $15 to $60 typically provide users with a higher line of credit.