I prefer the bottom card, but could live with either. Creases aren't a deal breaker if they aren't that distracting, such as over the face or a focal point. I also tend to stay away from paper loss and markings. Certainly can be more forgiving on cards that are much more rare. With a card like the Cobb, if it's a common back, you have MANY opportunities to find an example that appeals to you.
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