Amex introduces new low-rate credit card
It will charge an annual rate of 8.99%
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Expert suggests starting with a prepaid card
Hotels, car rentals, and flights have the most value
Ban will roll out across 400 stores
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Whether it's cash back, points or miles, credit card reward programs are a zero-sum game for some spenders
BMO will let you make a credit card purchase with your smile
The retailer cites "unacceptably high" fees
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BMO says the service is available for debit cards