$(4$ points$)$ You are interested in getting a credit card. You are offered the following two options.

A large national bank offers a credit card that costs $$150$ annually $($as a fee$),$ and has a borrowing interest

rate of $12\%.$ Alternatively, a local bank offers a credit card with no annual fee, a borrowing interest rate

of $14\%,$ and a $2\%$ rebate on all gasoline and grocery purchases.

What steps would you take to analyze your options? What data or other information about how you

would plan to use the card would you need to choose an option?