First of all, the one with the least amount of compounding (VISA, annual) is best. Here are the amounts to use when calculating the future value (FV) of a single sum.

Annually

Rate = 0.12

Nper = 1

Pv = -1000

Fv = 1120

Quarterly

Rate = 0.12/4 = 0.03

Nper = 4

Pv = -1000

Fv = 1125.51

Monthly

Rate = 0.12/12 = 0.01

Nper = 12

Pv = -1000

Fv = 1126.83

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It looks like a homework question to me.

Suppose that you advance $1000 from one of the one of the following three credit cards: MASTER, VISA, AND DISCOVER. APR is the same as 12% for the three crdit cards. The three credit card employ annual compounding, quarterly compounding, and monthly compounding, respectively. Which credit card is better from the borrower's standpoint? (show work)

can you show just one step to do on BAII plus

please...this is not my homework