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Earn up to 5% cash back on everyday purchases - even gas! No Annual Fee 0% Intro APR for up to 12 months on purchases Low Balance Transfer APR - 2.99% for 12 months Express Approval. Get a decision in less than 60 seconds.       Get 2% cash back on purchases at gas stations and major grocery stores and 1% cash back on all other purchases There's no limit to the cash back you can earn, and your cash rewards won't expire Save with a 0% intro APR on purchases until January 2010 You can ask for your cash back whenever you want or set up automatic redemptions so you won't have to ask No annual fee           5 different reward redemption options: Travel, Cash, Merchandise, Charitable Donations, or Gift Certificates Manage your finances with a year-end summary of purchases $0 fraud liability for any unauthorized use if your card is lost or stolen 24-Hour Travel and Emergency Assistance Additional protection on your purchases with an extended warranty program from Visa® Emergency card replacement or cash advance if your card is lost or stolen No balance transfer fees

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