When you’re ready to compare credit cards, what kinds of things do you consider? You probably immediately think of specific card features like interest rates or rewards points. But think a little more broadly about it. When you do, you’ll find that the major factors that drive consumer credit card choices really fit into three main categories.

Here are three major factors that will come into most credit card choices, and some more specific examples of what they might include. While the specific factors tend to vary from one person to another, these general categories fit into most decision-making about new cards.

1. Credit Card Costs

We mentioned interest rates before, and here is where they fit in. No matter what financial considerations you have when choosing a new credit card, chances are good that you’ll consider the cost of each option. That might be purchase rates. It might be the annual fee. It could even be the balance transfer rate if your aim is to take advantage of a balance transfer card like the Citibank Clear Platinum credit card to save on an existing balance.

2. Credit Card Perks

Just as important as a credit card’s cost are the card’s perks. That could mean a rewards programme like the frequent flyer programme through the Virgin Flyer credit card. Or it might be smaller perks like purchase protection or extended warranties. Even if you don’t go into a new credit card decision looking for specific perks or rewards, you’ll still come across them in credit card offers. And the right perks might very well set one credit card apart from the competition.

3. Credit Card Access

This is the credit card comparison point you might not consciously think about. But it will play a role in every credit card choice. These are the things that determine whether or not you’re even eligible for a credit card. For example, if you’re a permanent Australian resident but not a citizen, your choices might be more limited.

An even more common consideration is the minimum annual salary requirement. If you don’t meet the minimum, you can’t get the card — no matter how much you might want that deal compared to other cards on the market. For example, you’ll need to earn at least $50,000 per year to be eligible for the Westpac Singapore Airlines Gold credit card.

If you’re just getting started with your credit card comparisons, try mapping these factors out. For example, write down each of these three categories and then decide what you’re looking for in each — the maximum fees you’re willing to pay, perks you consider must-haves, and your annual income so you don’t choose a card with a higher requirement. When you can lay out all of the things you’re really looking for, you can make the credit card comparison process that much easier.