Whether you’re looking for your very first credit card or a new credit card to add to your wallet, you’ll want to compare credit card offers before applying for one. That’s the only way you can ensure that you get the best deal possible and that the new credit card will give you the kinds of rewards or perks you really want.

But what do you do when those credit card offers start to get confusing — when they start to all look the same?

Here are some tips to help you better navigate the credit card comparison jungle so you don’t settle for a credit card offer that’s less than you really want and deserve.

1. Write down what you want.

Before comparing credit card offers, write down all of the things you really want out of your new credit card. Make that list and keep it with you whenever you review offer details. This way you stay focused on what’s important to you and you won’t risk getting caught up in flowery marketing copy or appealing perks you really don’t need (but which might cost you in other ways).

2. Read the fine print.

Many people neglect reading the fine print of documents, or they only read it when it’s too late and they’re already committed to a deal. Don’t be one of those people. The reason credit card offers can sometimes start to all look the same is because credit card companies tend to promote the same basic features — interest rates, annual fees, and balance transfer rates for example. Then you have cards that focus on similar rewards programmes (like the Qantas American Express Premium card and the NAB Qantas Gold credit card which both focus on Qantas frequent flyer points).

By reading the fine print early on you might find details that really make a card stand out from the pack (or details that make a rosy-looking offer seem far less appealing). Either way, it’s better to find these things out before you apply.

3. Call the credit card company.

If you’re still a bit confused after reading the terms and conditions to pick out subtle differences between cards, call the credit card companies for any cards you’re considering. Don’t be afraid to ask them questions, especially if you aren’t feeling clear on specific terms you’re interested in. And don’t let anyone make you feel pressured to apply over the phone either. Just let them know you’re still comparing several offers and that you’ll apply when you’ve made your decision. They want your business after all, so good customer service beforehand by addressing your concerns is simply good business on their part.

Don’t let the credit card comparison process overwhelm you. And by all means, don’t just apply for the first attractive offer that comes along because it seems like an easier thing to do. Take the time to carefully compare offers. If none of them feel right to you right now, that’s okay too. Credit card offers change periodically, so you’ll probably find new offers worth comparing next month anyway. Keep those options open.