Need to use PM=PM 1-(r/c + 1)^-c * t ( formula ( present value formula) ONLY

Oscar has a debt of 4 credit cards: 725.00 on Master, 865.00 on Amex, 252.45 on Visa, and 545.58 on his discover Card. He chose that he would transfer all balanced to a separate credit card after he received two balance transfer offers.

Offer # 1: This card imposes a 4% one-time balance fee per balance transferred or $15 per balance transferred, whichever is higher. Once transferred the balance is subject to a %1.5 teaser APR fro the first 6 months and increase to a standard rate afterward.

Offer # 2: This card comes without a balance transfer fee. Once transferred, the balance is subject to a 5.0 APR for the first 6 months and increases to a standard rate after.

Which credit card saves Oscar the most money if he desires to pay off his debt in 6 months?