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You won't have to worry about paying an annual fee if you're not using your card as much as you initially anticipated. ...
The reduced earn rate might not be an issue if you want to get something for nothing but don't have a specific target in mind. ...
It will take longer to earn points towards a flight, upgrade, hotel stay, etc. ...
A card with no annual fee is unlikely to come with extra perks like travel insurance or lounge access. ...
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