9.5% is pretty damn good in Europe, I haven't really seen low APRs here.
Plus, grace periods are a rarity(more exactly I do not know of any Nordic nor Eastern European banks which would offer them). You use the credit card and you pay the interest from the moment you put something on the card.
I think US has the most competitive credit card enviroment.
I think you'd have to compare the various fees and fine print as well. The US has a great credit card environment for people who don't actually ever need credit.
It becomes considerably less great for people who use those cards as anything other than a lower-risk debit card.
I think US has the most competitive credit card enviroment.