Bankrate offers a website that tracks the lowest availiable APR's for both fixed and variable rates, as well as balance transfers.
The Wall Street Journal publish's this list every monday.
It is a nation list, taking into account many factors.
Like wise, do a search at
Bankrate.com's credit card page for the card that fits you best.
My advice? Don't apply online, do it over the phone. If declined, you can negotiate for a lower credit limit and not have to re-apply.
Rememeber that applying for to many cards in a couple month period negativly effects your credit score.
Also, I got a 15% rate when I got my first card (Visa from First Union, now Wachovia) my sophmore year in college.
The only card worth it's salt with an annual fee is the Amex green card, and you do not have the credit history for that yet.