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No ones mentioned you can use points for hotel stays, spas, flights or at a bunch or retailers. It also offers auto rental insurance, travel accident insurance and road side assistance. I think the point system sucks though. My citi card gives me 1% and 3% (depending on where) for every $1. It used to be 5% instead of 3, but they changed it, but added more places you get 3%. (gas stations, grocery stores, pharmacies). They also offer the 3% during the holiday season at retailers. Much better.
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