Credit Card Fees and Financing. Jarrod has narrowed his choice to two crodit cards that may meet his needs. Card A has an APR of 18%. Card B has an APR of 9%, but also charges $33 annual fee, Jarrod will not pay off his balance each mosth, but will carry a balance forward of about $541 each month. Which credit card should he chcose? His total annual expenses for Card A will be (Round to the noarest cent.) His total annual expenses for Card B will be (Round to the noarest cent) Jarrod should choose Card (Select from the drop-down monu.)