Suppose you have offers from three credit card companies. company a offers a fixed apr of 12% and has an annual fee of $60. company b has no annual fee and offers an introductory rate of 9% but it rises to 18% after the first 3 months. company c offers fixed apr of 15% percent with an annual fee of $30. if you pay off your balance each month, which offer is best for you? apr: (annual percentage rate) the length of the loan and how often you make payments.