I'm applying for my first credit card and I was wondering if a lower APR is better than a higher one?

• secured business credit card
• debt consolidation credit card
• credit card merchant account
• cash secured credit card
• credit cash
• us bank credit card processing
• credit cards for balance transfers
• best credit card balance transfer offers
• higher purchase
• web hosting talk

I have an offer from capital one for a platinum credit card with an annual percentage rate of 24.9% for purchases, transfers and cash advantages and one from USAA for 9.90%. Which one would cost me less money and would be a better choice for me?

I'm applying for my first credit card and I was wondering if a lower APR is better than a higher one?