I think annually my Visa is 19.5%, but I just got it. I had a Mastercard in Ohio that gave me 13.6% which I think is pretty low.
I'll give you a scenerio... my friend... lets call him R. Has three credit cards. Last year he made about 40000 working.... not bad. But he is in debt 12000.
Then theres me, I've had two.... I have never gone over my limit.
Just depends what kind of spender you are, I plan on just buying a tank of gas here and there... food... whatnot. Also, think about your limit.... mine on the Visa is 3000.
As said before, look aorund, see what you're comfortable with and apply.
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