what does apr on credit cards mean

Credit Card A Interest rate: 12% Annual Fee: £100. citibank rewards credit cards Credit Card B Interest Rate 15% Annual Fee: £0 If only looking at interest costs, then Credit Card A looks like a better deal However, if you take the fee into account, the scores even up Based on a balance of £1,000, these are the representative APRs for each card: Credit Card A: 22%