Not all credit cards are the same. While many are designed for consumer use, issuers also offer plastic for business purposes. Moreover, interest rate and fee structures can vary, which means consumers and business owners should shop carefully. A number of websites focus on how to choose and use a credit card. Here are a few:

Bankrate.com • Spotlights choosing a cash-back credit card, at http://bit.ly/hP6OVW.

CreditCards.com • Covers six topics a consumer should consider when choosing a credit card, at http://bit.ly/PywGX.

Federal Reserve • Provides an array of facts about credit cards, including understanding a credit card offer, your statement, interest rates and more, at http://www.federalreserve.gov/creditcard/.

U.S. Small Business Administration • Discusses six considerations for a small business looking to obtain a business credit card, at http://1.usa.gov/12YXDAF.