You get a new credit card from your bank. The document that comes with the card informs you that the interest rate on that card is $19\mathrm{.}1\%$ APR. What is the effective annual rate you'll actually be paying? The credit card company uses monthly compounding of interest.

Enter your answer as a percentage, rounded to $2$ decimals, and without the percentage sign $(\text{'}\%\text{'}).$ For example, if your answer is $0\mathrm{.}23456,$ then enter $23\mathrm{.}46$