Credit Card Fees and Financing. Jarrod has narrowed his choice to two credit cards that may meet his needs. Card A has an APR of 22%. Card B has an APR of 13%, but also charges a $19 annual fee. Jarrod will not pay off his balance each month, but will carry a balance forward of about $326 each month. Which credit card should he choose? His total annual expenses for Card A will be \$ (Round to the nearest cent.)