John is considering two bank card offers that are the same in all respects except for the following. Bank A charges no annual fee and charges monthly interest of 1.55% on the unpaid balance. Bank B charges a $31 annual fee and monthly interest of 1.22% on the unpaid balance. John averages an unpaid balance of $920 Estimate his total yearly cost to use the card if he chooses the card from bank A and bank B.