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If all you care about is a cashback type of situation rewards built rewards are great for travel really bad for merchandise or cashback don't do it that way. If you've got Bank of America platinum honors and you have more than $100,000 in either in cash or in investments with Bank of America and Merrill edge then the premium rewards card or the unlimited cashback card earn 2.625% everywhere because of the bonus you get with platinum honors status.

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Remember Everything You Learn from Podcasts

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