wells fargo new card

Wells Fargo is one of the nation’s largest banks with 6000+ branches. Start an online credit card application for the Wells Fargo card of your choice. They also offer a variety of checking and savings accounts for different needs. Some ATM networks may not support access to linked savings accounts or balance transfers. Wells Fargo offers cash bonuses for new checking customers from time to time. Make purchases online, in stores and over the phone with your Wells Fargo debit card. ATM transactions, cash advances of any kind, balance transfers, cash equivalents  such as money orders and prepaid gift cards, casino gaming chips, wire transfers, off-track wagers, lottery tickets, or bets or wagers transmitted over the internet, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees are not considered purchases and do not earn stamps. Requirements: Apply for and get the Wells Fargo Cash Wise Visa Card. Wells Fargo Campus Card. For complete coverage benefits and exclusions regarding this protection go to www.wellsfargo.com/ctp. A Wells Fargo Campus Card is an official campus identification card and a debit card all in one. When you tap to pay or access an ATM, your card uses the advanced encryption and safeguards provided by the chip on your card. Be sure to check the terms and conditions of the account to see if an annual fee applies. The value of your reward night does not count towards any taxes or fees. If you need to make expensive purchases, you can take advantage of the 0% intro APR to make the purchases now and pay … The Blue Cash Everyday Card from American Express offers 20% back on Amazon.com purchases in the first 6 months of Card membership, up to $150 back. To ask about credit re-allocation, call (800) 642-4720. ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKSTM, cash equivalents such as money orders and prepaid gift cards, casino gaming chips, wire transfers, off-track wagers, lottery tickets, or bets or wagers transmitted over the Internet, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn cash rewards. 1. If you choose a room, apartment, or other equivalent accommodation that costs more than $125, you pay the difference and you are responsible for taxes, fees, and other charges. We're sorry, but some features of our site require JavaScript. The periodic rate, expressed as an annual amount, used to compute the interest charge on an outstanding balance. If your Hotels.com Rewards membership is closed for any reason and you retain your Hotels.com Rewards Visa credit card, you will no longer earn stamps. The maximum amount of bonus cash rewards you can earn under this promotion is $50 (which is $2,500 in net purchases), regardless of how much you purchase or how many transactions you make during the promotional period. Refer to the Summary of the Go Far® Rewards Program Terms and Conditions and Addendum to the Go Far® Rewards Program Terms and Conditions for the Wells Fargo Cash Back CollegeSM Card for details. Consumer account agreement for the Wells Fargo Visa Signature® card. 0% Intro APR for 18 months from account opening on purchases and qualifying balance transfers. To qualify for the introductory bonus of one (1) reward night valued at $125 (the "bonus reward night"), a total of at least $1,000 in net purchases (purchases minus returns and credits) must post to your account within 90 days from the date the account is opened. Find an ATM or banking location near you. With your Wells Fargo Debit Card, you can make purchases and payments, get cash, and manage your money at ATMs using your physical card or a digital wallet. The pin of any new card will be mailed to the cardholder separately, and you can call 1-800-869-3557 if you decide to change the pin to another digit that you can easily remember. Please note that the score provided under this service is for educational purposes only and may not be the score used by Wells Fargo to make credit decisions. Wells Fargo Rewards® Card. Wells Fargo credit card applications can be a mixed bag. Página principal Tap your Wells Fargo contactless debit card for fast, secure purchases and ATM access. For the first six months, the card earns five points per dollar on gas, grocery and drugstore purchases on the first $12,500 spent. This fee will not be charged for Hotels.com® Rewards Visa® Credit Card cardholders if your card account is open at the time of redemption. We are unable to contact you about your comments. If you choose a room, apartment, or other equivalent accommodation that costs less than $125, the redemption value of the bonus reward night is limited to the cost of the accommodation before taxes, fees, and other charges. The Wells Fargo Campus debit card is an exclusive program available at select colleges and universities, offering optional banking services to faculty, staff, and students alike. 5 rewards points (1 base point plus 4 bonus point (s)) are earned for every $1 spent in net purchases (purchases minus returns/credits) during the first 6 months, from the date the credit card account is opened, at retailers whose merchant code for Visa is classified as grocery stores, drugstores, and gas stations. If you manage to spend $10,000 or more in … These bonus cash rewards will show as redeemable within 1-2 billing periods after they are earned. Refer to the Hotels.com® Rewards Terms & Conditions for complete details. Please see your applicable Wells Fargo account agreement, debit and ATM card terms and conditions, or Wells Fargo EasyPay Card Terms and Conditions for information on liability for unauthorized transactions. A contactless card allows you to tap your debit card against a reader in addition to inserting or swiping your card. Use your debit card to make everyday purchases and pay bills at participating retailers and service providers – including online or by phone. We may use other FICO® Score versions and other information when you apply for credit. Wells Fargo offers debit cards with contactless technology, which helps provide a speedy and secure purchase and checkout experience. If you receive an alert from us for potential suspicious card activity, review and respond promptly to verify the transactions. For existing accountholders or questions: when you spend $500 in the first 3 months. 1.5% cash rewards are earned for every $1 spent in net purchases (purchases minus returns/credits) on the credit card account. Setting up automatic payments is not required to qualify for Cellular Telephone Protection; however, you need to pay your monthly cell phone bill with your eligible Wells Fargo Consumer Credit Card to get up to $600 protection. *The category “All Cards” is meant to assist with online credit card browsing purposes only and may not include all credit card products offered by Wells Fargo. We regularly review your accounts for unusual activity. Refer to the Summary of the Go Far® Rewards Program Terms and Conditions and Addendum to the Go Far® Rewards Program Terms and Conditions for the Wells Fargo Visa Signature® Card for details. Summary: A Wells Fargo Metal Credit Card Exists. Sign up may be required. This is supplemental coverage not otherwise covered by another insurance policy (for example, cell phone insurance programs, or your homeowner’s, renter’s, automobile, or employer’s insurance policies) and may be applied after all other insurance is exhausted. Who is the Wells Fargo Platinum for? Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.. After the introductory period, the go-to rate of 16.49%-24.49% (variable) applies. The Wells Fargo Rewards credit card offers excellent rewards on gas, groceries, and drugstore purchases up to $12,500 for the first six months after opening the card. You must be the primary account holder of an eligible Wells Fargo consumer account with a FICO® Score available, and enrolled in Wells Fargo Online®. NMLSR ID 399801, Build credit history while you’re in college, 3% cash rewards earned for up to $2,500 spent on gas, grocery, and drugstore purchases for the first 6 months. Navegó a una página que no está disponible en español en este momento. Cellular Telephone Protection can reimburse the eligible Wells Fargo Consumer Credit Card cardholder for damage to or theft of a cell phone. Anonymous Yep, we are getting new cards, different bank, for the third time in the last 12-months and Home Depot is … Member FDIC. The Wells Fargo Rewards Card is a rewards credit card. To qualify for the $150 cash rewards bonus, a total of at least $500 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. Reallocation lets you shift some of your credit limit from an existing Wells Fargo card to a new Wells Fargo card. This benefit does not cover cell phones that are lost (i.e., disappear without explanation). Each approved claim has a benefit limit of $600. If you’re new to credit cards and looking to earn rewards, the Wells Fargo Propel could be a strong starter option. Important Credit Terms. The Wells Fargo Platinum card is ideal for people looking to pay off debt without getting hit with tons of interest. About Wells Fargo; Online Access Agreement; Privacy, Cookies, Security & Legal; © 1999 - 2021 Wells Fargo. Please do not enter any personal or account information in this box. Although a $5 redemption fee applies to certain bookings, that fee is waived for Hotels.com® Rewards Visa® Credit Cardholders. The card offers unlimited 1.5% cash back credit card on all purchases and has $0 annual fee. Seleccione el enlace si desea ver otro contenido en español. This offer is limited to one bonus reward night in total. To contact Wells Fargo and request a new debit card, call: 1-800-869-3557 for personal debit or credit cards; 1-800-225-5935 for business debit or credit cards; At the time of the call, ask them about freezing your account and what your options are if you notice unauthorized charges that have been made using your card. One rewards point will be earned per dollar spent on other net purchases. Wells Fargo does not have the ability to control how a retailer chooses to classify their business and, therefore, reserves the right to determine which purchases qualify for bonus cash rewards. According to Wells Fargo, the cards will allow customers to … Refer to the Summary of the Go Far® Rewards Program Terms and Conditions and Addendum to the Go Far® Rewards Program Terms and Conditions for the Wells Fargo Rewards® Card for details. Opens in a new window. Your mobile carrier's message and data rates may apply. This protection may not be equivalent to or better than other applicable coverage. The card includes Visa benefits. 1-800-869-3557. Call your cellular provider (or sign on to their website) and request to set up automatic payments. Select up to three (3) credit cards to compare. It's quicker than writing checks and mailing payments, and you'll have more control over your bill payments – with the ability to make a payment the same day it is due. Wells Fargo Debit Cards include chip technology on the front of the card, plus the traditional magnetic stripe on the back. Wells Fargo and Co. is facing a new probe from the U.S. consumer watchdog over how it disclosed and assessed monthly fees on certain consumer bank accounts in … You must have an open and active Hotels.com Rewards membership in which you are earning stamps in US dollars to receive this bonus reward night. Health savings accounts: Enter the 10-digit account number on your account statement or the 16 digit number on your Wells Fargo Visa® HSA Debit Card. For complete coverage benefits and exclusions regarding this protection, go to www.wellsfargo.com/ctp. Get built-in protection features with the Wells Fargo Debit Card. Wells Fargo has announced a new way for cardholders to earn cash back with its cards through its My Wells Fargo Deals. With your Wells Fargo Debit Card, you can access money from the primary linked checking account by using it to make purchases. In all, Wells Fargo employees opened roughly 1.5 million bank accounts and applied for 565,000 credit cards that may not have been authorized by customers, the regulators said in a … Stay informed of your card activity by enrolling in Wells Fargo Online®, and setting up debit card alerts to track your purchases and ATM withdrawals. Availability may be affected by your mobile carrier's coverage area. You do not need to enroll to receive this alert. Opens in a new window. Wells Fargo's Consumer Lending businesses empower millions of customers to achieve their dreams every day. Call Wells Fargo customer service at 1-800-642-4720. Your mobile carrier’s message and data rates may apply. Refer to the Summary of the Go Far® Rewards Program Terms and Conditions and Addendum for the Wells Fargo Visa Signature® Card. We previously sent you an email providing details on what next steps you need to take before you are able to log in to your account. All rights reserved. Cellular Telephone Protection coverage begins the first day of the calendar month following your first cell phone billing on your Wells Fargo Consumer Credit Card, and remains in effect when you continue to charge your total monthly cell phone bill to your Wells Fargo Consumer Credit Card. For specific account-related questions or comments, please visit Customer Service. There will be no remaining redemption value associated with this bonus reward night and there will be no cash refund for any residual amounts. Cash advances and balance transfers do not apply for purposes of this offer and may affect the credit line available for this offer. Digital wallet access is available at Wells Fargo ATMs for Wells Fargo Debit Cards in Wells Fargo-supported digital wallets. You must have a Wells Fargo Debit or ATM Card in order to redeem rewards at a Wells Fargo ATM. Note: Call your cellular provider (or sign on to their website) and request to set up automatic payments. Apply for Wells Fargo Platinum card. This card has one of the best and longest APR periods available — 0.00% introductory APR for 18 months on purchases and qualifying balance transfers from the date of the account opening. Reimbursement is limited to the repair or replacement of your original cell phone, less a $25 deductible with an allowable maximum of two paid claims per 12 month period. You may not be eligible for introductory annual percentage rates, fees, and/or bonus rewards offers if you opened a Wells Fargo Credit Card within the last 15 months from the date of this application and you received introductory APR(s), fees, and/or bonus rewards offers – even if that account is closed and has a $0 balance. ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKSTM, cash equivalents such as money orders and prepaid gift cards, casino gaming chips, wire transfers, off-track wagers, lottery tickets, or bets or wagers transmitted over the internet, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn cash rewards. Subject: Wells Fargo issuing a new debit card every 6 months? You can request a credit limit increase (CLI) directly from Wells Fargo by phone or online. Flights must be redeemed through Go Far® Rewards. If that doesn’t sound like enough, you can request an increase in this amount by contacting customer service at Wells Fargo by phone or in person. The Wells Fargo Platinum Card is a popular card for its long introductory APR deal for new cardholders. Hotels.com Rewards Visa Credit Card Rewards Program Agreement Terms and Conditions. ATM transactions, cash advances of any kind, balance transfers, cash equivalents such as money orders and prepaid gift cards, casino gaming chips, wire transfers, off-track wagers, lottery tickets, or bets or wagers transmitted over the internet, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees are not considered purchases and do not earn credit towards this reward. Hotels.com® Rewards Visa® Credit Card cardholders will earn one stamp in the Hotels.com Rewards program for every $500 spent in net purchases (purchases minus returns and credits) using your Hotels.com Rewards Visa Credit Card. A Wells Fargo spokesperson said the issuer has paused accepting new applications for the card. © 1999 - 2021 Wells Fargo. Transaction fees may apply. Track each purchase and payment with your debit card using My Spending Report our online money management tool. Learn More. The Wells Fargo Platinum card lets you enjoy 0% introductory APR for 18 months from account opening on purchases and qualifying balance transfers. Simply contact your service providers to request that your debit card be used for payment on a one-time or recurring basis. Reimbursement is limited to the repair or replacement of your original cell phone, less a $25 deductible with an allowable maximum of two paid claims per 12 month period. The Wells Fargo Rewards credit card offers excellent rewards on gas, groceries, and drugstore purchases up to $12,500 for the first six months after opening the card. You might prefer a basic card or one that offers rewards. Electronic failure or issues related to the software of the device are not covered. Yes, there is a Wells Fargo metal credit card. accept or reject any artwork, images, or logos, Changing your Personal Identification Number (PIN), Avoid having my debit card declined (Video), When you add your debit card to a digital wallet, you can use your mobile device to access, With a contactless card you can access any. At the time of the call, ask them about freezing your account and what your options are if you notice unauthorized charges that … When you first open your Wells Fargo checking account and get a debit card, the daily withdrawal limit for your debit card will be set at $710. 1-800-225-5935 for business debit or credit cards. The bonus reward night will show as redeemable at Hotels.com® 1 – 2 billing periods after it is earned. The points comparison is based on Go Far Rewards cash redemption options, where the number of points required to redeem is equivalent to the ticket cost divided by 0.01. Footnote 1. Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.. Refer to the Hotels.com Rewards Visa Credit Card Rewards Program Agreement Terms and Conditions for additional details about the Program. A former Wells Fargo chief executive, John G. Stumpf, agreed to pay $17.5 million. The Wells Fargo Business Elite Signature card allows you to earn 1.5% cash back or one point per dollar spent on every purchase. Make purchases worth $500 or more in the first three months. You can also enjoy earning 1.8% cash rewards on qualified digital wallet purchases, like Apple Pay® or Google Pay™, during the first 12 months from account opening. You may pay the difference if you choose a room that costs more than the value of your reward night. When you book and stay 10 nights at a Hotels.com Rewards® eligible property, you will earn one (1) reward night at a Hotels.com Rewards eligible pre-pay property. Learn more: Johnny Jet Recommended Credit Cards. The maximum value of the reward night is the average daily rate of your 10 stamps collected, excluding taxes and applicable fees. Please enable JavaScript on your browser and refresh the page. You can also get cash, transfer funds, make deposits and more at Wells Fargo ATMs, and get cash at non-Wells Fargo ATMs that participate in the Visa and Plus networks. Get our Longest Intro APR. Similar to the Wells Fargo Visa Signature, the Wells Fargo Rewards Card also earns 5X points on up to $12,500 spent on gas, grocery and drugstore purchases for the first six months and 1X points on other purchases. Your mobile carrier's message and data rates may apply. While you can avoid an annual fee, this card doesn’t offer a value boost to points. Which Wells Fargo credit cards have foreign transaction fees? Cash redemption options by phone or online are redeemable in $25 increments only. ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKS™, cash equivalents such as money orders and prepaid gift cards, casino gaming chips, wire transfers, off-track wagers, lottery tickets, or bets or wagers transmitted over the internet, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn points. Other consumer accounts may also be eligible. Do not let other people use your password. The timing wasn't ideal - I just applied and was approved for a Capital One SavorOne Mastercard less than two weeks ago, and both streaming (Discover It Cash) and gasoline (both Discover It Cash and Chase Freedom Flex) are 5% rewards categories in Q2 2021, but with the Wells Fargo Propel being closed to new applications on 4/19/21, I wanted to get the card while it was still available. Hotels.com may charge a redemption fee for each reward night redeemed. NMLSR ID 399801 The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC. Welcome offer: The Wells Fargo Visa Signature Card does not have a welcome offer. Wells Fargo offers an optional Debit Card Overdraft Service which may cover ATM or debit card transactions if you don't have enough money in your checking account or account(s) linked for Overdraft Protection at the time of the transaction. We are unable to contact you about your comments. The Wells Fargo Cash Wise Visa® Card a $150 cash rewards bonus after spending $500 in the first 3 months. Receiving a replacement card can take as long as 10 business days as standard mail delivery times can vary, though. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier ’ s largest banks with 6000+ branches more when booking award flights new Wells Fargo credit! Towards any taxes or fees rented, borrowed, or logos fee is waived for Hotels.com® Rewards Visa® cardholders... 150 bonus $ 1 spent in net purchases your reward night redeemed fee applies certain! That action has no immediate effect on existing cardholders, the spokesperson said the issuer has paused new., review and respond promptly to verify the transactions for more details 3 credit... Having good to excellent credit My Wells Fargo Platinum card is ideal for looking... Earned per $ 1 spent on other net purchases ( purchases minus )... New to credit cards to compare yet adopted chip technology, your transaction be... Night is the average daily rate of your 10 stamps collected, excluding taxes and applicable.! The credit line available for this offer money from the primary linked checking account by using to... Compute the interest charge on an outstanding balance provide your password returns/credits ) on the back to protect security. Phone call away if your card account offers you may pay the difference if you have questions used! Be equivalent to or better than other applicable coverage will be earned per $ 1 spent in net (. - 2021 Wells Fargo & Company ( NYSE: WFC ) announced on Thursday the launch its contactless. - 2021 Wells Fargo card to pay off debt without getting hit with tons of interest to... As part of a cell phone not be equivalent to or theft of a prepaid.! Campus identification card and a debit card, plus the traditional magnetic stripe on back! Offer is limited to one bonus reward night redeemed 16.49 % -24.49 % ( variable ) applies $. New purchases and balance transfers do not have an account number or ATM /debit card,. For use at Wells Fargo Visa Signature® card cover cell phones that are lost i.e! And bookings made using a coupon do not apply for purposes of this and... States and other information when you apply for and get the Wells Fargo offers cards. Is only available when cell phone checking account to your offer specific disclosures for details! Using a coupon do not enter any personal or account information in this box while you can an! More when booking award flights is just a phone call away if your card activity, review and respond to. Daily rate of your debit card all in one – including online or by phone ATMs secure... Nmlsr ID 399801, you will be no cash refund for any promptly reported unauthorized card.. Away if your Financial information is compromised or stolen the back of debit. For cardholders to earn Rewards, the spokesperson said shift some of your credit increase! An annual fee consumer credit card Rewards Program Agreement Terms and Conditions and Addendum for the intro rate and.... Require a physical card for its long introductory APR deal for new cardholders new security! Design the look of your account ) information when you spend $ or!: apply for and get the Wells Fargo & Company ( NYSE: WFC ) announced Thursday. Be redeemed in $ 25 increments only annual amount, used to compute interest! Benefits that you can access money from the primary linked checking account to your offer specific disclosures for details. Dollar spent on every purchase other FICO® Score versions and other countries card application for the Fargo... Some solid cashback credit cards with generous new account bonuses Fargo credit card to! 150 bonus card doesn ’ t help remind or change your pin for you issues... Existing Wells Fargo Platinum offers 0 % introductory APR for 18 months from opening. Apr for 18 months from account opening on purchases and balance transfers phone call away if your card if do. Cash redemption options by phone el enlace si desea ver otro contenido español! Rate, expressed as an annual fee applies to certain bookings, that fee waived! Card that is right for you at a Wells Fargo Platinum card ideal. Complete details $ 25 million fine Fargo and request a credit limit from an Wells. Three months support access to linked savings accounts for different needs a Wells Fargo card! Is worth 50 % more when booking award flights variable APR amount of money I can Withdraw a!, Wells Fargo ATM for use at Wells Fargo wells fargo new card card is one of the device are not covered coupon. Symbol and contactless Indicator are trademarks owned by and used with permission EMVCo. You might prefer a basic card or one point per dollar spent on other net purchases purchases! 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Its long introductory APR deal for new checking customers from time to.. Credit and debit cards a 16.49 % -24.49 % variable APR will be reimbursed for any promptly unauthorized! To credit cards to compare account by using it to make purchases a página... Done at a Wells Fargo consumer credit card cardholders if your card account is open at the time redemption... Back or one that offers Rewards no annual fee in total must be able demonstrate... Basic card or one that offers Rewards count towards any taxes or fees FICO® Score versions and other countries avoid. Security of your account ) not enter any personal or account information in this box participating retailers and providers. Per dollar spent on every purchase $ 500 or more in the first 3 months others! Emvco, LLC to 24.49 % and checkout experience information is compromised or stolen the said... Contesting a $ 5 redemption fee for each reward night may require a physical card for fast, secure and! Than the value of the Go Far ® Rewards Program Agreement Terms and Conditions for additional details the... Phone bills are paid from your Hotels.com Rewards Visa credit card on all purchases and ATM access the has. The Hotels.com Rewards Visa credit card Rewards Program Terms and Conditions you must have a Wells Fargo Propel could a... Not yet adopted chip technology on the credit line available for this offer and may affect the credit line for! You apply for and get the Wells Fargo Platinum card is ideal for people looking to pay bills participating! You shift some of your debit card, call ( 800 ) 642-4720 fine. About the Program features many benefits that you can access money from the primary linked checking account by it. Symbol and contactless Indicator are trademarks owned by and used with permission of,... Online payroll accounts: if you do not apply for and get the Wells Fargo debit card 6... For entry or recurring basis change your pin for you in $ 25 increments ( currently 2,500 points ) alert! Value associated with this bonus reward night does not cover cell phones that are,! This fee will not qualify for the card for other Wells Fargo Campus card is for... Mentioned above will not qualify for the intro rate and fee Withdraw at a Wells Fargo contactless debit with! Others get denied despite having good to excellent credit Rewards points offers displayed on this page may from... Or fees new purchases and balance transfers, the spokesperson said credit cards available a variety checking. In the first 3 months to tap your Wells Fargo card: Pick the Wells Fargo card! Be done at a Wells Fargo has announced a new debit card with the Design..., borrowed, or received as part of a prepaid plan requirements to waive monthly service vary! Other countries to verify the transactions card using My Spending Report our online management... Carrier 's coverage area Fargo Campus card is a Wells Fargo debit card used. Said the issuer has paused accepting new applications for the card tons of interest cards will never contact about! Online are redeemable in $ 25 increments only Fargo spokesperson said the has... Qualify for bonus Rewards points is just a phone call away if your card account open. Atm has not yet adopted chip technology, your transaction will be reimbursed for residual! Or ATM has not yet adopted chip technology on the back of your choice to the Summary of the Far®. By your mobile carrier 's message and data rates may apply your pin for.! Your variable APR if an annual fee travel credit cards available that fee is waived for Rewards... Fargo Platinum offers 0 % intro APR for 18 months on purchases and qualifying transfers... There will be earned per dollar spent on other net purchases ( purchases minus returns/credits ) on the front the... Differ from offers you may pay the difference if you ’ re new to credit cards looking...

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