On the five-year anniversary of the financial crisis, it's like the credit crunch never happened—at least if you're looking at the mail.
Zero credit card offers are back in full force, experts say. But the potential pitfalls of picking the wrong offer are still there, and potentially more expensive.
Be especially careful if you're looking for a balance transfer. Although there are more issuers dangling such deals, the fees are moving higher and the interest-free periods, shorter, said Odysseas Papadimitriou, chief executive of CardHub.com.
Transferring a $5,000 balance will cost you $150 on average (3 percent), and as much as $250 (5 percent) on some cards. Depending on the card terms and your balance, a high fee could be more expensive than picking an offer with a slightly shorter interest-free term, he said.
—By CNBC's Kelli B. Grant. Follow her on Twitter @KelliGrant.