What should the MAXIMUM purchase APR on a fixed-rate credit card from a credit union be if

…one has to carry a balance for a while? In the past, Clark Howard has indicated that he would like a seeker of such a card to aim for an interest rate that’s less than 10 percent. However, what if such a seeker can’t get a fixed-rate or even variable-rate credit card with a sub-10% purchase APR from a credit union? Would 11.24% be too high of a purchase APR? How about 10.24%? For the record, Clark does use the term “lowest possible interest rate” in this YouTube video.

By the way, is the main topic of this new thread too similar to the main topic of this other thread?