What most naturally follows?

How to compare fixed rate credit cards
Compare the aprs of different card offers.
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.
When considering apr, remember credit card companies are allowed to change their fixed rate with 45 days written notice. Decide what you can realistically afford to pay down on the card each month.