Wayne and Joan are comparing two credit cards, the basic master card vs the visa gold card

4. Wayne and loan are comparing two credit cards, the basic Master Card versus the 1Visa Gold card. The relevant features of the two cards are as follows: Basic VISA Gold Master Card Grace period 20 days 25 days Rebate on every purchase (paid at yearend) 05% none Card fee at beginning of year $12!] $15 Monthly interest rate on overdue balance 1.8% 1.5% Collision damage waiver on rental cars yes no Their average month-end balance on the credit card is $3,001] 1which they will pay off on the last day of the grace period. Every year they will take a seven- day holiday, rent a car, and drive around various parts of the country. The car rental agencies normally charge $14 per day to insure them against collision damages. The current interest rate they can earn on a bank account is 3%. Which credit card should they choose