I started a small company and needed another card to use for business purposes. I read reviews and decided to get this card. I already own two other cards, but this one has the best cash back rewards that really do make a difference. The 12 free months without APR also came in handy. The penalties are steep, but as long as you pay everything on time, you won’t have any problems. The bottom line is, I would recommend this card to friends and family members.
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