Which of the following will not affect the total cost of borrowing?
rewards
apr for purchases
annual fee
membership fee

Rewards

Explanation:

-Rewards refer to an incentive received for something.

-APR for purchases is the interest rate that is charged.

-Annual fee is a fee that is charged once a year for the benefits that are received.

-Membership fee is a regular fee that is paid to an organization.

From the options given, the one that will not affect the total cost of borrowing is rewards as it is something that you receive for free and the other options represent money that you have to pay and they increase the cost.

there are 52 characters.

explanation:

i counted all of the letters.