(15 Points!)Tom has two credit cards and is planning on purchasing a racing bicycle that will cost $450. If Tom charges the bike to one of his credit cards, which card will take the longest to pay off if he only makes the minimum payments? Card A: APR 16%, annual fee: $40 Card B: APR 21%, annual fee: $35A)Card A because it has a lower APRB)Card A because it has a higher annual feeC)Card B because it has a higher APRD)Card B because it has a lower annual fee