Compare Two Credit Card Offers Without Getting Distracted by Perks

Both credit cards have compelling introductory offers and you are going to make the decision based on the APR and fees, not the points. The rewards are a secondary question. This compares the two on the numbers that matter after the honeymoon period and gives a direct recommendation for someone who occasionally carries a balance.

I am comparing {CARD_A} and {CARD_B}. Both are offering introductory perks.

Compare the two cards on the numbers that matter after the introductory period:
1. Standard APR after any 0% period ends
2. Annual fee: in year one and in subsequent years
3. Minimum repayment structure and how long a balance would take to clear at minimum payments
4. Foreign transaction fees if I travel
5. Credit limit and how it is determined

Ignore the rewards, cashback, and points for this comparison.

End with a direct recommendation on which is the better card for someone who sometimes carries a balance. Keep the response under 200 words.