Good Credit - Lowest Interest Rates

What is the first feature you pay attention to when applying for a new credit card? I believe it is credit card rates and then fees. The lower they are the better. But unfortunately, not all cards come with attractive features. Only people with good or excellent credit history can afford such perfect cards with low rates, no annual fee and other striking advantages. As for those with not ideal credit history, they can use credit cards either with low rates and high annual fee or high interest rates and fees. Why is it so? Banks and credit card companies always risk working with people whose credit is damaged or not ideal. So they need to take special security measures – rather high interest rates and low credit limit. But at the same time such lenders offer a good chance to rebuild credit history and aspire to better financial opportunities.