Emory is 30 years old and single. Her current credit card has a cashback feature which she likes, but it charges a $140 anniual fee and has an annual interest rate of 22%. Emory carries an average monthly credit card balance of $3,700. She would like to reduce her monthly credit card costs arnd is comparing her current credit card (Card 1) against two other options: Card 1: Annual fee of $140, annual interest rate of 22%, and cashback of 1.5%on all purchases. Card 2: Annual fee of $0, annual interest rate of 18%, and no cashback or rewards features. Card 3: Annual fee of $160, annual interest rate of 20%, and rewards points valued at 1 % of all purchases. Which card is most suitable for Emory? Emory should choose