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I would choose the American Express Card because he has a lower APR after 12 months, also there is a lot of cash back opportunities.

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“Cards aimed at people with little or limited credit history often have huge startup costs, monthly maintenance fees, and giant interest rates” (Pg. 16)

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“Travel cards often charge annual fees, though many are waived for the first year. But the perks that come with many airline cards—expedited security clearance, priority boarding, free checked luggage, and access to airport lounges—can more than make up for the fee" (Pg. 15).

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“If you carry a credit-card balance, you’ll have to do some calculations to determine whether you’ll save by transferring it. Some cards offer a 0 percent annual rate on balance transfers, but only for a limited time and for an up-front fee" (Pg. 14).