[header] How to compare fixed rate credit cards [title] Compare the aprs of different card offers. [step] The apr is the annual percentage rate. A yearly rate of 10.9 percent means you'll pay less interest on the balance than a rate of 18. 9 percent. 
[substeps] When considering apr, remember credit card companies are allowed to change their fixed rate with 45 days written notice. [title] Decide what you can realistically afford to pay down on the card each month.