Jarrod has narrowed his choice to two credit cards that may meet his needs. Card A has an APR of 22 percent. Card B has an APR of 13 percent but also charges a $48 annual fee. Jarrod will not pay off his balance each month but will carry a balance forward of about $328 each month. Which credit card should he choose?

His total annual expenses for Card A will be S. (Round to the nearest cent.)

His total annual expenses for Card B will be $

Jarrod should choose Card

(Round to the nearest cent.)

(Select from the drop-down menus.)

because its annual expenses are