which credit card terms and condition is prefer? 10 points best answer?

which credit card terms and condition is prefer and why

in this case i am comparing between washington mutual and bank of america

here’s the terms and condition for
WASHINGTON MUTUAL

annual percentage rate(APR) – 9.99% platinum 16.99 gold 17.25 silver
other atr- promotional balance transfer apr:2.99% on balance transfer requested with your application cash advance apr: 19.99%
default apr: up to the prime rate plus 23.24 or up to 29.99%
whichever is greater, and may vary

variable rate info- purchase apr : 9.99% or the prime rate + 3.24 whichever is greater
promotional balance transfer apr:2.99% or the prime rate minus 3.76% whichever is greater
cash advance apr 19.99% or the prime rate plus 13.24% whichever is greater

grace period for purchases- at least 25 days if the new balance is paid in full by the payment due date

annual fee- $0
minimum finance charge – $1
transaction fee for purchases- for purchases made outside the U.S and its territories: 1% of each purchase

cash advance fee- 3% of the advance ($10 minimum)
Balance transfer fee: $0 for balances transferred now. For future offers, a fee of up to 3% of each balance transfer
($5 min./$75 max, per transfer) may apply
late fee: $19 if balance is less than $200
$39 if balance is $200 or greater
over limit fee: $35 if you exceed your credit line at any time during a billing cycle.

BANK OF AMERICAN TERMS AND CONDITION

annual percentage rate- 13.24%
other apr- 0% introductory, apr for balance transfer and cash advance checks through your first six statement closing dates, after that, the variable apr is 13.24%. the variable apr for bank and atm cash advance is 24.24%
default apr is up to 29.99%
variable rate info. check apr for both visa signature and platinum plus accounts, the margins for the bank and atm cash advance apr is 15.99%
grace period for repayment of balance for purchases- At least 20 days from the statement closing date (provided you full paid your new balance total from the previous statement by its payment due date
annual fee- $19
method of commuting the balance for purchases- average daily balance (including new transactions)
transaction fees for purchases-transaction fees for the purchase of wire transfer, person to person money transfer, bets, lottery tickets, casino gaming chips, money order etc 3% of each such purchases (minimum $10)

foreign transaction- transaction fees for any transaction made in a foreign currency, 3% of the U.S. dollar amount of each such transaction. the fee will be in addition to any other appliable fees

i really need to know which of those two banks are better
please and thank u