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 12%, but also charges a $23 annual fee. Jarrod will not pay off his balance each month, but will carry a balance forward of about $436 each month Which credit card should he choose? His total annual expenses for Card A will be $(Round to the nearest cont) His total annual expenses for Card B will be $ (Round to the nearest cont.) Jarrod should choose Card (Select from the drop-down menu.)