Eric S. Raymond has written a book about this to find useful . It is aimed at Unix users, but should still apply.
As for your question, if you have commas inside the cells, you will need some form of escape. Using \, is the standard way, but you will also have to avoid the slash, which are also common.
Alternatively, use another character, such as a pipe (|), tab, or something else of your choice. If users need to work with data using a spreadsheet program, you can usually add filtering rules to separate the cells on the separator of your choice. If this is a concern, it is best to choose a delimiter that users can easily enter, which excludes nul char, among others.
You can also use quoting:
"value1", "value2", "etc"
In this case, you will only need to avoid quotation marks (and slashes). This should also be accepted by spreadsheets taking into account the correct filter parameters.
Dana the sane
source share