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Yes. This looks like the best offer.
With the other card, you will have to pay a $75 annual fee if you pay your bill late just once.
And there, the interest rate skyrockets to 19.5% after only 6 months, regardless of how you use the card. This second card is the better choice, with a 6% lower rate and a small annual fee of $20. Interest you pay with a 19.5% card will be much more than the 12.5% + $20, if you use both of them equally.
